Senior AI Scientist, Credit Risk & Decision Science

Intuit; Charlotte (NC); On-site; USD 140,000 - 190,000; Full time

Job summary

Credit Karma is seeking a Senior AI Scientist to join the Partner Decision Science team in Charlotte, NC. You will serve as the technical bridge between Credit Karma’s decision‑science platform and partner data science and credit‑risk teams, turning objectives into production models that improve conversion and revenue.

You will apply machine learning to credit‑risk, targeting, experimentation, and generative AI to deliver relevant financial recommendations for members, collaborating

Qualifications

• MS in Statistics, Mathematics, Computer Science, Economics, Physics, or related quantitative discipline (or BS with equivalent applied experience).
• Approx. 5+ years in credit‑risk analytics, data science, or risk management at a bank, fintech, or credit bureau, with experience in credit underwriting, model development, or customer valuation.
• Deep, hands‑on understanding of credit data, including bureau attributes, risk scores, and alternative data sources.

Responsibilities

• Serve as the technical bridge between Credit Karma’s decision‑science platform and partner banks and fintech lenders’ data science and credit‑risk teams, 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 while improving member approval certainty.
• Advance the partner modeling toolkit – including feature engineering on consumer credit, bureau data, modern ML methods, and emerging generative AI applications – to improve partner model performance and member relevance.
• Build strong relationships with partner data science and risk teams, coaching them on the capabilities of the Credit Karma platform.
• Partner cross‑functionally with internal teams to translate partner needs into platform capabilities and bring models into production.
• Represent the Partner Decision Science team in partner‑facing meetings, translating complex technical subject matter for executive and non‑technical audiences and advocating for partners inside Credit Karma and with partners.
• Act as an owner: identify high‑impact opportunities across the partner portfolio, propose solutions, and see them through to production and measurable results.

Skills

Python

SQL

Credit-risk analytics

Model development

Communication skills

Education

MS in Statistics/Math/CS/Economics/Physics

BS with equivalent experience

Tools

BigQuery

ML frameworks

Job description

Credit Karma is seeking a Senior AI Scientist to join the Partner Decision Science team in Charlotte, NC. You will serve as the technical bridge between Credit Karma’s decision‑science platform and partner data science and credit‑risk teams, turning objectives into production models that improve conversion and revenue.

You will apply machine learning to credit‑risk, targeting, experimentation, and generative AI to deliver relevant financial recommendations for members, collaborating