Intuit Credit Karma is looking to develop cutting-edge credit risk AI/ML models for new lending products within their Consumer Group to empower individuals to take control of their finances and expand into Consumer Lending.
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.
- Contribute to the credit risk AI science initiatives for the new and evolving Money product offerings focusing on the lending domain, including complete hands-on ownership of the model lifecycle, sharing ownership of success and key results at the program-level, and driving the data strategy across all involved teams.
Other
- Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline
- 7-10 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
