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Senior Credit AI Scientist (Consumer Risk)

February 14, 2026

Requirements

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
Authoritative knowledge of Python and SQL
Relevant work experience in fintech credit risk, with deep understanding of payment systems, money movement products, banking, and lending
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
Strong business problem solving, communication and collaboration skills
Ambitious, results oriented, hardworking, team player, innovator and creative thinker
(Desirable) Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc
(Desirable) Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow
(Desirable) Strong background in MLOps infrastructure and tooling, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control
(Desirable) Experience with experimentation design and analysis, including A/B testing and statistical analysis

What the job involves

Intuit’s Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence
By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value
As we expand into Consumer Lending within the Consumer Group, Intuit Credit Karma is looking for an innovative, experienced, and hands-on Senior AI Scientist to join our Consumer Risk AI Science team
In this role, you’ll develop cutting-edge credit risk AI/ML models for new lending products
Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on hundreds of thousands of customers
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
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)
Collaborate with credit policy, product and fraud risk teams to ensure models align with business goals and product offering to drive actionable lending decisions
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
What’s great about the role:
Solve hard, meaningful problems giving customers access to their hard-earned money alongside fun, smart people
Experience professional growth and encourage growth throughout the team
Work cross functionally (with executives, engineering, policy & rules, product, analytics, operations and other AI science teams) to ensure efficient and effective use of data science in ways that make an immediate, substantial, and sustainable impact

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