Championing financial progress for all.

We put our 100+ million members at the center.

Making progress is hard work. That’s why we believe in a world where technology and data can help make finances easier for everyone. It’s our mission to empower each and every one of our members with the knowledge, tips and tools they need to turn their financial dreams into a reality.

We build tools for every step of your financial journey.

CreditImage: Credit
Credit
SavingsImage: Savings
Money
Credit CardImage: Credit Card
Cards
AutoImage: Auto
Auto
LoansImage: Loans
Loans
HomeImage: Home
Home
TaxImage: Tax
Tax
AccountsImage: Accounts
Accounts

About Intuit Credit Karma

We stay on top of your finances so you don’t have to. We understand how difficult it can be to manage your money – everything from monitoring and building credit to filing taxes, borrowing money and optimizing how you spend and save – and, unlike those who came before us, we’re not in the business of gatekeeping. We’re here every step of the way, opening up doors, to help make your financial dreams a reality. 

What started out as a destination for free credit scores has grown into an AI-powered platform that helps our more than 120 million members in the US manage their financial lives. We leverage the power of our platform to connect the dots for members so they can better understand their finances, optimize their money and take advantage of opportunities they otherwise might have missed. 

Our long-term vision is to automate the tedium out of finances so consumers can spend less time in the details and more time living their best lives.

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Kenneth Lin, CEO & Founder
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Kenneth Lin

Chief Executive Officer and Founder

Ken started Credit Karma in 2007 to offer free credit scores and bring transparency and simplicity to the credit industry – an industry that was built around and had long prioritized banks above consumers. He has guided the company from a small team of three to a team of several hundred employees who are disrupting consumer finance, serving millions of people.

Ken spent his early career working with mission-driven businesses like Upromise and Eloan, and he was inspired to build Credit Karma – a platform where consumers can manage their full financial lives with more certainty, supported by a unique business model that creates genuine, organic value by reducing marketing inefficiency for banks and empowering consumers with information. Like LinkedIn has done for professional identity and Facebook for social lives, Ken’s vision is that one day Credit Karma can create a simple way for Americans to manage their financial identities.

Ken also founded Multilytics Marketing in 2006 and has a B.A. in mathematics and economics from Boston University.

Ryan Graciano, Chief Technology Officer & Co-Founder
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Ryan Graciano

Chief Technology Officer and Co-Founder

As a co-founder of Credit Karma and Chief Technical Officer, Ryan Graciano has grown the company’s engineering department from a one-man band into a team of hundreds, developing a technical framework to support the company’s rapid growth. His expertise and innovation has helped bring new levels of usability and sophistication to financial services technologies.

Today, Ryan runs an ever-expanding group of engineers tasked with building out new products at pace while stressing a culture of agility and experimentation, even as Credit Karma reaches new levels of scale. As a leader, he serves as a constructive agitator, looking to break down traditional workplace hierarchies and empowering each member of his department with real influence over the future of the product.

Ryan has a Bachelors degree in Computer Science from the Georgia Institute of Technology and spent five years at IBM before joining Credit Karma.

Joe Kauffman, CK President
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Joseph Kauffman

President

As Credit Karma’s President, Joe is responsible for the U.S. business, including credit cards, loans, and insurance offerings in service of delivering on Credit Karma’s mission of driving financial progress for its 120 million members.

Joseph began at Credit Karma in January 2015, after spending four years as the Chief Financial Officer for TAL Education Group, one of the largest K-12 after-school tutoring services providers in China. Throughout his career, he’s helped high-growth companies institute the right organizational stability to build upon an expansive entrepreneurial vision. Joseph has also worked for the New Oriental Education & Technology Group and the Coca-Cola Company, and holds an MBA in Strategy, Finance and Accounting from Harvard University.

Susannah Wright, Chief Legal Officer
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Susannah Wright

Chief Legal Officer

As Credit Karma’s Chief Legal Officer, Susannah manages all legal matters at the company, including corporate, regulatory, consumer protection, compliance and government affairs. Susannah joined in June 2017 as Credit Karma’s first chief legal officer as the company continues to expand rapidly, increasing both its member base and service offerings.

A former prosecutor, Susannah was previously Associate General Counsel at Tesla, where she built and led Tesla’s compliance department, following Tesla’s acquisition of SolarCity. Prior to that, Susannah spent over three years as Deputy General Counsel and Head of Compliance at SolarCity, where she created the company’s compliance department and advised on on regulatory and compliance matters, including consumer protection, data privacy and security, safety, licensing, product, trade, and internal investigations. Prior to joining SolarCity, Susannah was an attorney at Gibson Dunn & Crutcher LLP where she focused on government investigations, crisis management and data privacy. She previously served as a senior assistant district attorney in Atlanta, Georgia.

Susannah is an alumna of the University of Virginia School of Law and Princeton University, where she graduated magna cum laude.

Gannesh - GM of Karma Scale
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Gannesh Bharadhwaj

General Manager, Karma Scale

As General Manager, Karma Scale, Gannesh Bharadhwaj leads strategy and business operations for Credit Karma’s largest revenue-driving verticals and sits on the company’s executive committee. In his role, Gannesh is responsible for working with existing and new partners to broaden the credit card and personal loan offerings on Credit Karma’s online marketplace. He is also responsible for product and marketing initiatives to make Credit Karma the preferred destination for members to acquire new cards and personal loans.  

Gannesh is dedicated to using data and analytics to deliver certainty, transparency and simplicity to Credit Karma’s more than 110 million members. To achieve this, Gannesh oversaw the development and scaling of Credit Karma’s first enterprise platform, Lightbox, enabling Credit Karma’s partners to directly market highest certainty, personalized offers to members through data-driven insights. 

Gannesh joined Credit Karma in September 2017, bringing more than 20 years of financial services experience. Prior to joining Credit Karma, Gannesh served as president of Renew Financial and held a number of senior roles at HSBC including executive vice president of US co-brand cards and Head of retail banking and wealth management in India.

Outside of work, Gannesh is an accomplished drummer and an avid fan of metal. He holds a M.S. in Mechanical Engineering from the University of South Florida and a MBA from the University of Chicago Booth School of Business.

Our Leadership

Kenneth Lin, CEO & Founder

Kenneth Lin

Chief Executive Officer and Founder

Ryan Graciano, Chief Technology Officer & Co-Founder

Ryan Graciano

Chief Technology Officer and Co-Founder

Joe Kauffman, CK President

Joseph Kauffman

President

Susannah Wright, Chief Legal Officer

Susannah Wright

Chief Legal Officer

Gannesh - GM of Karma Scale

Gannesh Bharadhwaj

General Manager, Karma Scale

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