Partner Decision Scientist — AI Leader for Credit Risk & Growth

Intuit; Charlotte (NC); On-site; USD 150,000 - 190,000; Full time

Job summary

Credit Karma is seeking a Senior AI Scientist to join our Partner Decision Science team, serving as the technical bridge between the decision-science platform and data science and credit-risk teams at partner banks and fintech lenders. You will design, build, and deploy large-scale models to grow conversion and revenue while improving member approval certainty.

The role combines strong ML skills with business acumen, spanning credit-risk modeling, targeting, experimentation, and GenAI

Qualifications

• MS in Statistics, Mathematics, CS, Economics, Physics or BS with equivalent applied experience.
• 5+ years in credit-risk analytics, data science, or risk management with work spanning credit underwriting, model development, or customer valuation.
• Deep, hands-on understanding of credit data, including bureau attributes, risk scores, and alternative data sources.
• Proficiency in Python and SQL, with experience in modern ML frameworks and large-scale data.
• Ability to explain complex modeling concepts to non-technical and executive stakeholders and connect model performance to business outcomes.
• External partner-facing experience is a plus.

Responsibilities

• Serve as the technical bridge between Credit Karma's decision-science platform and the data science and credit-risk teams at partner banks and fintech lenders, ensuring partner data and modeling requirements are met end to end.
• Design, build, and optimize large-scale targeting and approval models that grow conversion and revenue for Credit Karma and its partners while improving approval certainty for members.
• Advance the partner modeling toolkit — feature engineering on consumer credit and bureau data, modern ML methods, and emerging GenAI applications — to lift partner model performance and member relevance.
• Build strong relationships with partner data science and risk teams, from individual contributors to managers and directors, and coach them on the capabilities of the Credit Karma platform.
• Partner cross-functionally with internal business development, engineering, product, and data and analytics teams to translate partner needs into platform capabilities and move models into production.
• Represent the Partner Decision Science team in cross-functional and partner-facing meetings, translating complex technical subject matter for executive and non-technical audiences and advocating for partners inside Credit Karma and for Credit Karma with partners.
• Act like an owner: identify high-impact opportunities across the partner portfolio, propose solutions, and see them through to production and measurable results.

Skills

Python

SQL

Data science

Communication

Education

MS in Statistics

MS in Mathematics

BS with equivalent applied experience

Tools

BigQuery

Job description

Credit Karma is seeking a Senior AI Scientist to join our Partner Decision Science team, serving as the technical bridge between the decision-science platform and data science and credit-risk teams at partner banks and fintech lenders. You will design, build, and deploy large-scale models to grow conversion and revenue while improving member approval certainty.

The role combines strong ML skills with business acumen, spanning credit-risk modeling, targeting, experimentation, and GenAI