Intuit Inc

Fintech Consumer Risk Senior Staff Credit AI Scientist

Intuit Inc • $226K — $306K *
Mountain View, CA 94040In-Person
Finance & Insurance
8 - 10 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Advanced Degree (Ph.D. / MS) in a quantitative discipline such as Computer Science or Data Science.
  • 8+ years of experience in AI Science / Machine Learning.
  • Authoritative knowledge of Python and SQL.
  • Relevant experience in fintech credit risk and an understanding of payment systems and lending.
  • Hands-on expertise with advanced machine learning techniques, including deep learning and causal analysis.
  • Strong understanding of credit risk modeling concepts and strategies.
  • Experience in designing and building data pipelines for machine learning.

Responsibilities

  • Contribute to credit risk AI initiatives and model lifecycle management for lending products.
  • Design, deploy, and evaluate machine learning models to predict credit risk.
  • Collaborate with cross-functional teams to align models with business objectives.
  • Build efficient data pipelines for feature generation and model development using Python and SQL.
  • Research and implement innovative machine learning approaches for rapid development.
  • Improve transaction categorization models for cash flow underwriting and credit risk assessment.
  • Automate the model development lifecycle with AI-powered orchestration workflows.

Benefits

  • Innovative work environment focused on AI and machine learning.
  • Collaboration with a team of experienced AI scientists and machine learning engineers.
  • Opportunity to directly impact financial products for a large customer base.
  • Access to cutting-edge tools and technologies in AI and data science.
  • Employee recognition and performance rewards programs.
Full Job Description
Job Description

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, Intu it Credit Karma is looking for an innovative , experienced, and hands-on Staff 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.

Responsibilities
What you'll do:

  • 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, line of credit, 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
  • Build next-generation credit risk models for short-term lending products using advanced deep learning techniques (e.g., transformers, sequence models, and representation/embedding learning on tabular and time-series financial data)
  • Build and improve transaction categorization models that power cash flow underwriting and credit risk models for thin-file and sub-prime consumers.
  • 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.
  • Design, build, and deploy AI agents and orchestration workflows powered by Agentic AI to automate the end-to-end model development lifecycle-data exploration, feature engineering, data validation, model training, evaluation, and monitoring-accelerating team velocity and productivity.


Qualifications
Minimum Basic Requirements:

  • Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline
  • 8+ 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
  • Deep, hands-on expertise developing , deploying, monitoring and maintaining a variety of machine learning techniques, including but not limited to, deep learning ( transformers, sequence modeling), 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
  • Proven experience defining and driving end-to-end modeling frameworks, methodologies, or best practices across multiple product teams or domains.
  • Demonstrated ability to evaluate and integrate emerging AI/ML technologies, contributing to the company's external technical visibility and innovation agenda.


Preferred Qualifications:

  • Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.
  • Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow
  • Strong background in MLOps infrastructure and tooling, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control
  • Experience with experimentation design and analysis, including A/B testing and statistical analysis.
  • Working knowledge of LLMs and AI agents (prompt engineering, RAG, tool calling, agentic workflows) and familiarity with orchestration frameworks (e.g., LangChain, LangGraph) and the Gen AI stack (embeddings, vector databases, fine-tuning).
  • Experience building transaction categorization and cash flow modeling pipelines from bank/aggregator data (e.g., Plaid, Nova Credit, MX, Finicity) for credit risk or underwriting use cases.

Footer
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at ). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.
The expected base pay range for this position is:
Mountain View $226,000 - $306,000

About Intuit Inc

Intuit offers business and financial management solutions for SMBs, financial institutions, consumers, and accounting professionals. The company’s product portfolio includes TurboTax, a software solution that offers free tax filing, efile taxes, and income tax returns; Quicken; QuickBooks; Mint.com, and more. It also offers end-to-end solutions for online tax preparation, download products, mobile tax prep, mortgage interest and property tax, corporations tax, military tax, and more. Intuit was founded by Tom Proulx and Scott Cook in 1983 and is based in Mountain View, California. The company serves customers in North America, Asia, Europe, and Australia with offices in the United States, Canada, India, U.K., and Singapore.

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Join the dynamic team at Intuit Inc, a global powerhouse in financial software, where innovation, leadership, and diversity training are at the heart of everything we do. This is an unparalleled opportunity to advance your career with a company that is committed to empowering communities and small businesses with innovative financial solutions.

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Invest in your future with Intuit’s industry-leading benefits and professional development opportunities. Our employees enjoy comprehensive benefits that ensure their personal and professional satisfaction, including health, wellness, and continuous learning perks. At Intuit, we also understand the importance of diversity training and leadership development, providing various programs that foster an inclusive environment.

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Learn more about Intuit Inc
Size
13,500 employees
Market Cap
$107.4 billion
Industry
Consumer Technology
Net Income
$1.7 billion
Founded
1983
5 Year Trend
+19.6%
Revenue
$7.7 billion
NASDAQ
INTU
* Ladders Estimates

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