Senior Fraud & Credit Risk Strategist

The Credit Karma Money (CKM) 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. 

We are looking for an experienced candidate to develop and establish and manage new Credit Policies to help Credit Karma Money members achieve their financial goals.

What you'll do:

• Create and manage comprehensive credit policies that align with Credit Karma Money’s (CKM) and Intuit’s risk appetite and strategic objectives. Ensure policies are compliant with all relevant regulations and industry standards
• Conduct thorough risk assessments to identify potential credit risks and develop mitigation strategies. Utilize advanced data analytics, optimization, and modeling techniques to inform rule and policy decisions.
• Oversee the credit portfolio, monitor performance, and implement strategies to optimize credit quality and profitability 
• Define and develop metrics and reporting to track portfolio performance and identify emerging risks
• Collaborate with cross-functional teams, including product, data science, legal, and engineering to ensure credit policies are effectively integrated into CKM processes and infrastructure
• Monitor for regulatory changes and ensure all credit policies and practices adhere to current laws and regulations
• Iterate to continuously improve credit policies through the adoption of new techniques, technologies, data-driven insights, and industry best practices 
• Lead the development, deployment, and maintenance of credit risk rules which make optimal use of ML models and data  
•  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 solution

What we are looking for:

• 3+ years of experience developing and implementing: credit policies, underwriting frameworks, customer segmentations, and customer valuation models
• Experience with consumer credit risk
• Degree (BS/MS)  in Statistics, Math, Engineering, Finance or a related quantitative discipline
• Hands-on experience with Python (or R or SAS), and SQL, or similar industry standard tools used for large-scale   data analysis and modeling
• Experience interfacing with teams at Financial institutions strongly preferred

What we would like to see:

• Self-motivated, results oriented, enthusiastic, and a creative thinker
• Bonus for experience building and implementing complex models in a financial risk / data science environment.
• Experience using alternative consumer data in credit policies

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