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

We’re free and always will be.

Everyone deserves the chance to build a better financial future and that starts with checking your credit scores for free. We work with Equifax and TransUnion, two of the three major credit bureaus, to give our members access to their scores for free.

On top of showing free credit scores, our members can see free personalized offers and recommendations on their profiles to help them make their next financial move, their best move. For instance when you take an offer –– like for a credit card or loan –– through Credit Karma, we usually make some money from one of our partners, like the bank that issues the card or the lender who funds your loan. At the end of the day, we all win. That’s why free is kind of our thing.

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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.

Nichole Mustard, Chief Revenue Officer & Co-Founder
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Nichole Mustard

Chief Revenue Officer and Co-Founder

As a co-founder of Credit Karma and Chief Revenue Officer, Nichole Mustard has been the architect of the company’s win-win-win business model. Credit Karma provides its members with personalized recommendations for credit cards and loans, while reducing marketing inefficiency for banks. With Nichole’s help, Credit Karma has been able to scale at pace while furthering its founding mission to help people take control of their financial lives.

Nichole oversees Credit Karma’s business development team, finding the right mix of financial partners and optimizing data science and business intelligence capabilities to make sure that partners and members alike get the most value from the product. She oversees a team that stresses humility and relationship building in business, making sure Credit Karma’s innovation isn’t the only thing setting the company apart.

Prior to joining Credit Karma, Nichole spent five years as Financial Service Sales Director at Compete, growing the company’s national profile.

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, Chief Financial Officer
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Joseph Kauffman

Chief Financial Officer

As Credit Karma’s Chief Financial Officer, Joseph manages the company’s financial planning, forecasting, record keeping and risk as it continues to expand aggressively, following several years in which the company doubled both its member base and employee headcount.

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.

Greg Lull, Chief Marketing Officer
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Greg Lull

Chief Marketing Officer

Greg Lull is the Chief Marketing Officer at Credit Karma. Credit Karma has added 70 million members in the last five years, and several of the operations Greg built from the ground up to drive brand awareness and member engagement have directly made this possible. Greg was previously VP of Marketing Operations at Multilytics Marketing.

After a brief time as an engineer, Greg has spent the majority of his career leveraging data to develop the systems and foundations that allow companies to engage with audiences and drive products forward. He oversees Credit Karma’s marketing department, making sure that the marketing, communications, consumer analytics and brand teams are creating meaningful experiences that reflect the company’s value to current and future Credit Karma members.

When he’s not crunching numbers, Greg enjoys playing boardgames and riffing his guitar as the front man of the Credit Karma band.

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 Bharadwaj, General Manager of Credit Cards
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Gannesh Bharadhwaj

General Manager of Credit Cards

As General Manager of Credit Cards, Gannesh is a member of Credit Karma’s executive team and leads strategy and business operations for the company’s largest vertical.

Gannesh joined Credit Karma in September 2017 with more than 20 years of experience in creating synergies between technology and financial institutions. Prior to Credit Karma, he served as President of Renew Financial, a company that provides affordable financing for renewable energy and energy efficiency projects through a unique technology platform. He also held multiple senior leadership positions at HSBC in Cards, Auto Finance, Retail Banking and Wealth Management where he specialized in building new lines of business from the ground up. Gannesh is an alumnus of the Birla Institute of Technology and Science. 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.

Colleen McCreary, Chief People Officer
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Colleen McCreary

Chief People Officer

Colleen joined Credit Karma in 2018 as the company’s first Chief People Officer. Credit Karma has nearly tripled its employee headcount in the last five years, making her role critical as the company continues to scale. Colleen will focus on recruiting best-in-class talent, investing in current employees and sustaining an enriching culture that celebrates professional growth. As part of the executive team at Credit Karma, she heads talent operations, which encompasses human resources, recruiting and talent development.

Prior to Credit Karma, Colleen served as Chief People Officer at Vevo, the world’s leading music video entertainment platform. She has also held leadership positions at The Climate Corporation, Zynga, Electronic Arts and Microsoft. With more than 20 years of experience in human resources, operations, recruiting and M&A, Colleen brings a wealth of expertise in managing people operations to support rapid-growth technology companies.

She holds a B.S. in Mass Communication and Public Relations from Boston University and a M.A. in Higher and Adult Education from Columbia University.

Our Leadership

Kenneth Lin, CEO & Founder

Kenneth Lin

Chief Executive Officer and Founder

Nichole Mustard, Chief Revenue Officer & Co-Founder

Nichole Mustard

Chief Revenue Officer and Co-Founder

Ryan Graciano, Chief Technology Officer & Co-Founder

Ryan Graciano

Chief Technology Officer and Co-Founder

Joe Kauffman, Chief Financial Officer

Joseph Kauffman

Chief Financial Officer

Greg Lull, Chief Marketing Officer

Greg Lull

Chief Marketing Officer

Susannah Wright, Chief Legal Officer

Susannah Wright

Chief Legal Officer

Gannesh Bharadwaj, General Manager of Credit Cards

Gannesh Bharadhwaj

General Manager of Credit Cards

Colleen McCreary, Chief People Officer

Colleen McCreary

Chief People Officer

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