Director, Risk, Rules & Strategy
Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 130 million members globally. While we're 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 1,700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London and New York City.
*Banking services provided by MVB Bank, Inc., Member FDIC
Our Fraud Risk Risk and Data Science team is looking for a Director, Risk, Rule & Strategy to help members and partners stay protected. This role will report directly into the Head of Fraud Data Science & Analytics and will work with cross functional internal teams (Data, Product, Engineering, BD.
What You'll Do:
- Direct and manage the activities and personnel of Credit Karma Money’s Decision science organization including hiring, training, talent development and performance management.
- Inspire, lead and scale a team of decision scientists in close collaboration with other product and risk leaders.
- Continue to move the team toward utilizing robust analytics and data-driven strategies to optimize risk rules and strategies to minimize risk while ensuring satisfactory customer experience, aligning with fraud risk and credit risk appetite thresholds.
- Collaborate with the Data Science team to prioritize new model candidates to effectively execute risk strategies
- Partner with Engineering, Product, and cross-functional teams to inform, influence, support, and execute strategy and the roadmap for the existing and emerging risk space at Credit Karma
- Manage cross-functional resources to develop and maintain policy and fraud rules and strategies, optimize the use of machine learning models, and define data requirements for enhancing fraud management strategies.
- Shape the short and long-term technical and data vision and strategy for current and new risk data capabilities to drive revenue and member value, while simultaneously managing losses
- Oversee the identification, analysis, and calibration of data, software/tools, and foundational infrastructure to reduce risk.
- Leverage and continue to develop a deep understanding of large scale risk systems, their operational maturity and broader industry challenges, to identify present and future risks and opportunities
- Identify and help prioritize strategic automated capabilities required for effective execution of risk strategies (e.g., document verification, real-time notifications, limits on digital card provisioning).
- Collaborate with product teams to identify fraud risks and vulnerabilities, proposing mitigation strategies for new product development or customer interaction events.
- Assess industry trends, regulatory guidance, and best practices to continuously improve processes and meet evolving fraud threats.
- Collaborate with fraud operations and investigations teams to identify root causes and defects, proposing control strategies for mitigation.
- Develop and manage relationships with fraud detection vendors.
- Maintain close contact with external stakeholders, including peer institutions, regulatory bodies, and law enforcement, to stay informed about evolving fraud trends and risk management practices.
- Exhibit intellectual curiosity, intrinsic drive, decisiveness, and resilience with ambiguity and complexity.
What we are looking for:
- Bachelor’s degree in econometrics, statistics or a related field from an accredited college or university
- 10+ years of Fraud/Risk Management experience
- Proven track record of creating and implementing company-wide data strategies from a Fraud/Risk management and Data Science perspective
- Experience in managing relationships and partnering with groups like engineers, product managers, and other leaders to build systems & strategies
- Comfortable working with complex data environments and with big data and machine learning techniques
- Ability to lead and manage a team of data scientists and risk professionals
Benefits at Credit Karma includes:
- Medical and Dental Coverage
- Retirement Plan
- Commuter Benefits
- Wellness perks
- Paid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)
- Education Perks
- Paid Gift Week in December
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. We’ve 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.
Please contact [email protected] if you are interested in employment with Credit Karma and need special assistance or an accommodation to either apply or interview for a specific role.
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