Lead Partner Decision Scientist - Credit Karma

Lead Partner Decision Scientist - Credit Karma

Job Overview Credit Karma is looking for a Senior AI Scientist to join our Partner Decision Science team — the group at the center of how the country's largest banks and fintech lenders build, target, and approve on the Credit Karma Lightbox platform. In this role, you will be the technical bridge between Credit Karma's decision-science platform and the data science and credit-risk teams at our partners, turning their objectives into production models that increase conversion and revenue while giving our members greater certainty that they'll be approved for the products they're matched with.

This is a highly cross-functional role. You will partner closely with internal business development, engineering, product, and data and analytics teams, as well as with external partner teams that range from hands-on analysts to senior leaders. Success depends as much on your ability to influence and translate across these audiences as it does on your technical depth — we are looking for a scientist who can go deep in the data and models, then clearly explain the "so what" to a room of business and partner stakeholders.

You will pair strong machine learning skills with real business acumen, applying techniques that span credit-risk and targeting modeling, experimentation, and — where it adds value — generative AI, all in service of the most relevant, best-timed financial recommendations for our members.

Responsibilities

• Serve as the technical bridge between Credit Karma's decision-science platform and the data science and credit-risk teams at partner banks and fintech lenders, ensuring partner data and modeling requirements are met end to end.

• Design, build, and optimize large-scale targeting and approval models that grow conversion and revenue for Credit Karma and its partners while improving approval certainty for members.

• Advance the partner modeling toolkit — feature engineering on consumer credit and bureau data, modern ML methods, and emerging GenAI applications — to lift partner model performance and member relevance.

• Build strong relationships with partner data science and risk teams, from individual contributors to managers and directors, and coach them on the capabilities of the Credit Karma platform.

• Partner cross-functionally with internal business development, engineering, product, and data and analytics teams to translate partner needs into platform capabili