Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 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, Bangalore, and New York City.
*Banking services provided by MVB Bank, Inc., Member FDIC
Credit Karma is looking for a results-oriented and strategically innovative Senior Data Scientist II who is passionate about applying machine learning to address financial challenges for millions of our members. As a technical leader, you will be responsible for driving data-informed decisions and delivering AI-powered recommendation and monetization strategies that help our members achieve their financial goals.
AI plays a ubiquitous role in Credit Karma’s product, serving as the foundation for core machine learning capabilities that drive monetization, personalization, and a value-centric experience to our members. As such, this position necessitates extensive cross-functional collaboration and close partnerships across various departments, including engineering, product, marketing, finance, and analytics.
With a strong background in data science and machine learning paired with excellent communication skills, you will drive innovation in the development and application of AI techniques that power the most relevant financial products including and actionable recommendations at Credit Karma. This role is ideal for someone who combines strong machine learning and AI skills with business acumen and cross-functional collaboration.
What you’ll do:
- Partner with colleagues throughout the organization to identify high-impact opportunities to leverage our extensive data to better serve our users
- Responsible for accelerating revenue and engagement advancement through disruptive and continuous improvements in various machine learning models (targeting, marketing campaigns, etc.), feature engineering including user profiles and behavior, personalization, etc.
- Participate research efforts with other team members to explore the frontiers of GenAI, Deep Learning, Recommender systems, and other areas, as they apply to Personal Finance
- Collaborate closely with partner teams to define metrics that quantify various aspects of our business, including but not limited to revenue, engagement, user experience, etc. Provide solid statistical bases in designing experiments.
- Represent Data Science in cross functional meetings and reviews. Be able to translate difficult technical subject matter to business partners
- Represent Credit Karma in external forums such as conferences and meetups, and act as an evangelist for CK team in such forums
What’s great about the role:
- You will work with large scale Machine Learning Models to optimize for Personal Finance Products
- You will be part of a highly impactful team, who are working on large scale projects that directly impact the business and members
- You will experience both personal and professional growth as you encourage growth throughout the team
Minimum Basic Requirement:
- MS in Computer Science, Mathematics, Statistics, Physics or a related quantitative discipline
- 7+ years of industrial experience in Data Science, Machine Learning and related areas, ideally in hyper-growth consumer Internet scenarios
- Deep statistical understanding and ability to architect and develop next-generation ML systems, staying ahead of industry trends and integrating latest advancements (e.g., GenAI)
- Strong background in programming languages (e.g., Python, Java, SQL)
Preferred Qualifications:
- Experience with driving monetization, member engagement, longer term member value through AI
- Experience working on large scale AI systems with applications across machine learning and generative AI, AI infrastructure, data foundation, and self-serve analytics through DS methods
- Ability to balance fast paced environments at a large scale company
- Ads business and product experience
Credit Karma’s mission of championing financial progress for all starts from within. That’s why we implemented role-based compensation, which ensures people who are in the same role receive the same pay with variations for geographic location only. It’s all part of a more comprehensive DEI strategy that helps level the playing field. The base salary range for this role is $337,431, plus equity and benefits.
Benefits include:
- 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.
Privacy Policies:
Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies:
US Job Applicant Privacy Notice
UK Job Applicant Privacy Notice
India Job Applicant Privacy Notice
Credit Karma Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Credit Karma and has not been reviewed or approved by Credit Karma.
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Fair & Transparent Compensation — Pay is considered structured and transparent through role‑based compensation and pay‑equity adjustments. Regular market checks aim to support perceived fairness across roles.
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Equity Value & Accessibility — Equity is widely included in total compensation and described as substantial, with accessible stock awards across functions. This equity component, alongside cash, positions offers as competitive in tech and fintech.
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Retirement Support — Retirement support is viewed as strong due to employer 401(k) matching alongside equity ownership. This combination is portrayed as competitive for the broader tech market.
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What We Do
Credit Karma is focused on championing financial progress for over 110 million members in the U.S., Canada and U.K. While we're best known for pioneering free credit scores, our members turn to us for resources as they work toward their financial goals. This includes tools for credit and identity monitoring, credit card recommendations, shopping for loans (car, home and personal), and growing their savings* -- all for free. We’ve grown significantly through the years, adding more than 70 million members in the last five alone. We currently have more than 1,300 employees spread across offices in Oakland, Charlotte, Los Angeles, and London. Disrupting the financial industry is not an easy task. That’s why we know it’s one worth doing. Our core values of helpfulness, ownership, progress and empathy guide our work and our relationships. Championing financial progress for everyone is a big mission that requires passionate people working together to make a difference in the world. If you’re up for the task, we’d love to have you on our team. Check out our open positions: https://www.creditkarma.com/careers. *Banking services provided by MVB Bank, Inc., Member FDIC
Why Work With Us
We are a place to inspire, connect and grow. We are a diverse community of passionate people using innovation and technology to improve the lives of our members. We value our people and create ongoing opportunities for both personal and professional growth and connection. Doing good and making an impact is at the center of everything we do.
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