Intuit Credit Karma is looking to expand into Consumer Lending and needs to develop cutting-edge credit risk AI/ML models for new lending products to empower individuals and help them take control of their finances.
Requirements
Authoritative knowledge of Python and SQL
Experience leveraging credit bureau, tax and cash flow data in credit risk model development
Experience with and deep understanding of developing, deploying, monitoring and maintaining a variety of machine learning techniques, including but not limited to, deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.
Deep understanding of credit risk modeling concepts, including PD calibration, reject inference, adverse action logic, and risk segmentation
Ability to quickly develop a deep statistical understanding of large, complex datasets
Expertise in designing and building efficient and reusable data pipelines and framework for machine learning models
Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.
Responsibilities
Design, build, deploy, evaluate, defend, and monitor machine learning models to predict credit risk for various short-term lending products (e.g., tax refund advances, BNPL, installment loans, single payment loans, and early wage access)
Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and both commercially available and proprietary Machine Learning and AI infrastructures
Deploy models in a production environment in collaboration with other AI scientists and machine learning enginers
Ensure model fairness, interpretability, and compliance with FCRA, ECOA, and other relevant regulatory frameworks
Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.
Research and implement practical and creative machine learning and statistical approaches suitable for our fast-paced, growing environment.
Other
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline
3-6 years of work experience in AI Science / Machine Learning and related areas
Relevant work experience in fintech credit risk, with deep understanding of payment systems, money movement products, banking, and lending
Strong business problem solving, communication and collaboration skills
Ambitious, results oriented, hardworking, team player, innovator and creative thinker
