DataFramed #76 Providing Financial Inclusion with Data Science, with Vishnu V Ram, VP of Data Science and Engineering at Credit Karma
Nov 29, 2021
Vishnu V Ram, VP of Data Science and Engineering at Credit Karma, shares insights on using data science to boost financial inclusion. He discusses Credit Karma's evolution as a fintech leader and the importance of personalized recommendations for user decision-making. The conversation delves into the complexities of effective recommendation systems and the role of data leadership in improving customer value. Vishnu also highlights the challenges of project prioritization and the need for diverse skill sets in data science as the industry evolves.
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Vishnu's Data Journey
- Vishnu Ram's entry into data science was indirect, starting with fuzzy logic projects.
- His career path included early-stage startups, CTO roles, and diverse data applications.
Credit Karma's Mission
- Credit Karma's mission is to provide free credit scores, empowering users to manage their finances.
- It started with TransUnion scores, then expanded to Equifax and other financial products.
Data's Central Role
- Credit Karma leverages data to reduce barriers and democratize financial information.
- Key use cases include showing current credit standing, automating financial tasks, and understanding user behavior.