Risk & Payments Senior Staff Analyst

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 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, Bangalore, and New York City.
*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:

• Act as a team lead to oversee and manage day to day activities of our transaction fraud rules and strategies team
• Lead and oversee the team in developing, managing and optimizing strategies and policies that aim to prevent, detect and mitigate debit card fraud, payment fraud, and deposit fraud and abuse
• Lead the team in developing a segmentation strategy to provide more targeted decisioning of card transactions, based on segment risk
• Establish performance targets and monitor strategies against those targets
• Lead the development, deployment, and maintenance of fraud risk rules which make optimal use of ML models and data.  
• Partner with the data science teams at Credit Karma and Intuit to leverage and utilize data science models to suit the fraud detection and prevention needs of the Credit Karma business, while balancing revenue, risk and customer experience
• Use your fraud and abuse domain expertise to respond to fraudulent and abusive activity on the platform in collaboration with the security, product, and operations teams 
• 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
• You will help guide the direction of the fraud prevention function at Credit Karma

Minimum Basic Requirement:

• 5+ years of analytics experience 
• BS/MS in Math, Statistics, Data Science, Computer Science, Natural Sciences or a related quantitative discipline
• Experience with debit or credit card fraud strategies development and management
• 5+ years of experience with SQL 
• 5+ years of experience with statistical analysis
• 5+ 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
• Work experience with public cloud platforms (especially GCP), Apache airflow, or Git
• Ability to independently thrive in a fast-paced, dynamic, and often ambiguous work environment

Preferred Qualifications:

• Work experience using an analytical / mathematical approach for designing and optimizing decisions
• 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
• Experience in MLOps infrastructure and tooling including building efficient and reusable data pipelines

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

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.

Privacy Policies:

Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies:

• GDPR Privacy Policy
• U.S. Job Applicant Privacy Notice