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
About the team and the role:
Credit Karma is seeking a Research Data Scientist to join Credit Karma’s Data & AI organization, focusing on GenAI research. We're looking for experts in generative AI (GenAI) and Natural Language Processing (NLP) with experience in large language model (LLM) alignment and fine-tuning, LLM evaluation and safety, and agentic and multi-modal modeling. The ideal candidate will share our passion for developing Credit Karma's next-generation GenAI-based financial assistant, driving innovation in LLMs to create personalized financial experiences that empower our members.
What you’ll do:
- GenAI research and application: Stay up-to-date with the latest advancements in GenAI and apply this knowledge to develop innovative solutions that drive member and business value. This includes designing and implementing novel architectures, algorithms, and techniques for LLMs, multi-modal models, and other GenAI applications
- LLM development and optimization: Design, train, and fine-tune LLMs, including data processing and curation, to mitigate biases and ensure high-quality datasets for optimized model performance. Influence efficient LLM architecture design for optimal performance, efficiency, and scalability
- Research strategy and direction: Define and drive the long-term research vision and strategy for GenAI in the organization, aligning with business objectives and goals. This includes identifying key research areas, setting ambitious goals, and developing achievable milestones
- Collaboration and communication: Effectively collaborate with and communicate complex research concepts to cross-functional teams, including engineering, product, and business stakeholders. This includes distilling research findings into actionable insights, providing technical guidance, and influencing the adoption of GenAI solutions
- GenAI thought leader: Advance expertise in GenAI through continuous learning, attending conferences, and engaging with the broader research community. Contribute to the team's knowledge base and advance the field through publications, presentations, and sharing of insights and expertise
Minimum Requirement:
- Master's degree or Ph.D. in AI, Data Science, Computer Science, Statistics, Mathematics, or a related field
- Publications or contributions to open-source projects in the field of GenAI or machine learning
- Research experience in industry, academia, or government settings
- Skilled in developing software for large-scale AI models and datasets
- Proficiency in programming languages such as Python, R, or Java
- Strong understanding of machine learning algorithms and statistical methods
- Strong experience in using AI libraries such as PyTorch or TensorFlow
- Strong communication skills
Preferred Qualifications
- Hands-on experience in GenAI and LLM research
- 5+ years of experience in data science or machine learning roles, with a focus on GenAI, AI or NLP research
- Familiarity with cloud platforms such as Google Cloud, AWS, or Azure
- Proven track record of leading research or technical projects and mentoring team members
- Experience in the fintech domain or related industries
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
Pay Transparency Notice: 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 for this role is $296,068, plus equity and benefits.
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:
- GDPR Privacy Policy
- U.S. Job Applicant Privacy Notice
Top Skills
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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