Senior Staff AI Scientist - Consumer Risk

Location: Mountain View, California, United States

Salary: $226,000–$306,000 annual base pay, with potential cash bonus, equity rewards, and benefits.

Company

hirify.global is a financial technology platform operating products including TurboTax, Credit Karma, QuickBooks, and Mailchimp.

What you will do

• Lead the design, development, deployment, monitoring, and governance of credit risk and fraud risk AI/ML models.
• Own credit risk modeling for consumer lending and fast-money products, including underwriting, cashflow-based, behavioral, targeting, and eligibility models.
• Lead fraud modeling across Banking, Workforce Wallet, and CK Invest, integrating models into real-time and batch decisioning across the fraud lifecycle.
• Direct the use of credit bureau, tax, cashflow, identity, behavioral, and device data to create risk attributes and models.
• Partner with Policy, Product, Engineering, Legal, Compliance, Model Validation, and partner banks to embed models into product decisioning.
• Lead hiring and team development while driving AI-agent and orchestration workflows for data exploration, feature engineering, validation, training, evaluation, and monitoring.

Requirements

• Advanced degree in Computer Science, Data Science, AI, Mathematics, Statistics, Econometrics, Physics, or a related quantitative discipline, or equivalent experience.
• 8+ years of experience in AI Science or Machine Learning delivering data-driven products.
• Authoritative knowledge of Python and SQL.
• Relevant fintech experience in credit risk and/or fraud risk modeling, including payment systems, money movement, banking, and lending.
• Hands-on experience with deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.
• Strong understanding of risk concepts, reusable ML data pipelines, model governance, regulatory compliance, communication, collaboration, and people leadership.

Nice to have

• Experience with TensorFlow or PyTorch, AWS or GCP, Apache Airflow, Vertex AI, or AWS SageMaker.
• Background in MLOps, automated retraining, monitoring, version control, real-time model deployment, and feature stores.
• Working knowledge of LLMs, prompt engineering, RAG, tool calling, AI agents, LangChain, or LangGraph.
• Experience with SR 11-7, FCRA, ECOA, and fair lending or fair banking reviews.

Culture & Benefits

• Work on financial products used by tens of millions of customers worldwide.
• Collaborate across risk, product, engineering, legal, compliance, and partner-bank teams.
• Competitive compensation with performance-based rewards.
• Potential cash bonus, equity rewards, and employee benefits according to applicable plans.
• Support knowledge sharing and adoption of modern AI tooling.