Risk & Payments Analyst II

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 130 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 and New York City.

• Banking services provided by MVB Bank, Inc., Member FDIC
  
  

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 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 tips as they work on their financial goals, including helping them monitor their credit, identity monitoring, searching for credit cards, shopping for loans (car home and personal), and growing their savings* -- all for free. Credit Karma has grown significantly through the years: we've added more than 70 million members in the last five years alone and now have more than 1,100 employees across our offices in Oakland, Charlotte, Los Angeles and London.

• Banking services provided by MVB Bank, Inc., Member FDIC
  
  

The Credit Karma Money team is a fundamental piece to achieving that vision. We want to change consumers' relationship with money, to help them spend wisely, save for the future and build wealth. With the launch of high yield savings and checking/ debit a few years back, we are well on our way to achieving this vision of helping our members throughout their financial journey.

The Risk and Payments rules and decision science team is on a mission to enhance the Credit Karma Money product and service experience for members, by optimizing existing features and enabling new features while protecting the member and our business against both fraud risk and credit risk,, through the application of decision science and analytic solutions. As Credit Karma Money grows, it’s more important than ever that we continue to build world-class risk and payment capabilities within our data infrastructure.

We are looking for an innovative, experienced and hands-on analyst to join our effort to help Credit Karma Money members achieve their financial goals.

What You’ll Do

Lead the development, deployment, and maintenance of fraud and credit risk rules which make optimal use of ML models and data.

Contribute to the creation and maintenance of reusable data pipelines, focused on feature creation.

Partner with colleagues throughout the organization to identify high-impact opportunities to leverage and utilize models and data to best suit the business needs, including contributing to rules and strategies which balance revenue and risk.

Contribute to the evolution of our data and rules infrastructure to improve efficiency and effectiveness of decision science solutions

Represent the team and Credit Karma in internal and external forums such as executive level presentations, conferences, speaking engagements and meetups, and act as a talent magnet and spokesperson in such forums.

What’s Great About The Role

Solve hard, meaningful problems with fun, smart, kind people.

Experience professional growth and encourage growth throughout the team.

Work cross functionally (with executives, engineering, data science, product, analytics, and operations) to ensure efficient and effective use of data in ways that make an immediate and substantial impact

Minimum Basic Requirement

2+ years of analytics experience

BS/MS in Math, Statistics, Economics, Engineering, Data Science, Computer Science, Natural Sciences or a related quantitative discipline

1+ years of experience with SQL

1+ years of experience with statistical analysis

1+ years of experience with A/B testing and experimentation or with data visualization tools such as Looker/Tableau

Strong problem-solver, communicator and collaborator able to identify opportunities for growth or improvement to advance the goals of both our members and our business

Ability to independently thrive in a fast-paced, dynamic, and often ambiguous work environment

Fast learner

Preferred Qualifications

Work experience with data-driven strategy design and optimization

Ability to quickly develop an understanding of large, complex datasets

Fintech, financial services, consulting or a similar strategic or analytical experience

Relevant work experience in credit risk and/or financial fraud risk, with an understanding of payment systems, money movement products, and banking, finance, credit bureau, and fraud detection data

Work experience with public cloud platforms (especially GCP), Apache airflow, or Git

Experience in MLOps infrastructure and tooling including building efficient and reusable data pipelines

Knowledge of Python

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.

Please contact candidate.support@creditkarma.com if you are interested in employment with Credit Karma and need special assistance or an accommodation to either apply or interview for a specific role.

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