Senior AI Scientist Consumer Risk Fraud

Intuit Credit Karma is a mission-driven company focused on championing financial progress for our more than 140 million members globally. While were best known for pioneering free credit scores our members turn to us for everything related to their financial goals including identity monitoring applying for credit cards shopping for insurance and loans (car home and personal) and savings accounts and checking accounts* all for free. Credit Karma has grown significantly through the years: we now have more than 1700 employees across our offices in Oakland Charlotte Culver City San Diego London Bangalore and New York City.

*Banking services provided by MVB Bank Inc. Member FDIC

Intuits Consumer Group including TurboTax and Credit Karma empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI) we continuously innovate and evolve our consumer offerings to deliver even greater value.

As we expand into Consumer Lending within the Consumer Group Intuit Credit Karma is looking for an innovative experienced and hands-on Staff AI Scientist to join our Consumer Risk AI Science this role youll develop cutting-edge credit risk AI/ML models for new lending products. Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on hundreds of thousands of customers.

What youll do:

• Contribute to the credit risk AI science initiatives for the new and evolving Money product offerings focusing on the lending domain including complete hands-on ownership of the model lifecycle sharing ownership of success and key results at the program-level and driving the data strategy across all involved teams
• Design build deploy evaluate defend and monitor machine learning models to predict credit risk for various short-term lending products (e.g. tax refund advances BNPL installment loans single payment loans and early wage access)
• Collaborate with credit policy product and fraud risk teams to ensure models align with business goals and product offering to drive actionable lending decisions
• Build efficient and reusable data pipelines for feature generation model development scoring and reporting using Python SQL and both commercially available and proprietary Machine Learning and AI infrastructures
• Deploy models in a production environment in collaboration with other AI scientists and machine learning engineers
• Ensure model fairness interpretability and compliance with FCRA ECOA and other relevant regulatory frameworks
• Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions
• Research and implement practical and creative machine learning and statistical approaches suitable for our fast-paced growing environment

Whats great about the role:

• Solve hard meaningful problems giving customers access to their hard-earned money alongside fun smart people
• Experience professional growth and encourage growth throughout the team
• Work cross functionally (with executives engineering policy & rules product analytics operations and other AI science teams) to ensure efficient and effective use of data science in ways that make an immediate substantial and sustainable impact

Minimum Basic Requirements:

• Advanced Degree (Ph.D. / MS) in Computer Science Data Science AI Mathematics Statistics Physics or a related quantitative discipline
• 6 years of work experience in AI Science / Machine Learning and related areas
• Authoritative knowledge of Python and SQL
• Relevant work experience in fintech credit risk with deep understanding of payment systems money movement products banking and lending
• Experience leveraging credit bureau tax and cash flow data in credit risk model development
• Experience with and deep understanding of developing deploying monitoring and maintaining a variety of machine learning techniques including but not limited to deep learning tree-based models reinforcement learning clustering time series causal analysis and natural language processing
• Deep understanding of credit risk modeling concepts including PD calibration reject inference adverse action logic and risk segmentation
• Ability to quickly develop a deep statistical understanding of large complex datasets
• Expertise in designing and building efficient and reusable data pipelines and framework for machine learning models
• Strong business problem solving communication and collaboration skills
• Ambitious results oriented hardworking team player innovator and creative thinker
• Proven experience defining and driving end-to-end modeling frameworks methodologies or best practices across multiple product teams or domains
• Demonstrated ability to evaluate and integrate emerging AI/ML technologies contributing to the companys external technical visibility and innovation agenda

Preferred Qualifications:

• Proficiency in deep learning ML frameworks such as TensorFlow PyTorch etc.
• Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow
• Strong background in MLOps infrastructure and tooling particularly Vertex AI or AWS SageMaker including pipelines automated retraining monitoring and version control
• Experience with experimentation design and analysis including A/B testing and statistical analysis

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. The expected base pay range for this position in Bay Area California is $173500.00 - 234500. This position will be eligible for a cash bonus equity rewards and benefits in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit: Careers Benefits). Pay offered is based on factors such as job-related knowledge skills experience and work location. To drive ongoing fair pay for employees Intuit conducts regular comparisons across categories of ethnicity and gender.

Equal Employment Opportunity:

Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race color religion age marital status sex (including pregnancy childbirth or related medical condition) sexual orientation gender identity or gender expression national origin veteran or military status disability (physical or mental) genetic information or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws.

Credit Karma is also committed to a diverse and inclusive work environment because it is the right thing to do. We believe that such an environment advances long-term professional growth creates a robust business and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. Weve worked hard to build an intensely collaborative and creative environment a diverse and inclusive employee culture and the opportunity for professional growth. As part of the Credit Karma team your voice will be heard your contributions will matter and your unique background and experiences will be celebrated.

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