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View Ryan Graciano’s profile on LinkedIn, a professional community of 1 billion members. I am co-founder and CTO at Credit Karma, a company dedicated to re-engineering one of the…
- 500+
- Credit Karma
- 12K
- Berkeley, California, United States
Feb 25, 2020 · Others geting windfalls include co-founders Nichole Mustard, 47, and Ryan Graciano, 38, as well as firms such as Silver Lake, Ribbit Capital and QED Investors, a Virginia-based outfit that led...
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.
Gender Male. Website ryangraciano.com. LinkedIn View on LinkedIn. Twitter View on Twitter. Ryan Graciano is the CTO and Co-founder at Credit Karma. Ryan has a bachelor's degree in Computer Science from the Georgia Institute of Technology and spent five years at IBM before joining Credit Karma.
- Male
- Credit Karma
- Berkeley, California
- Free Credit Scores
- Creating Organic Awareness
- The thin-file Problem
Back in 2007-2008, when three credit bureaus in America were charging about $20 to release credit score to the consumers, the need to make such valuable information freely accessible to all and realising the temporary nature of this business practice gave birth to Credit Karma, says Ryan. When asked about the story behind this interesting nomenclat...
While talking about emerging markets like India, where customers are not entirely aware of the concept of credit score and how it is applicable to everybodyor that it is called the CIBIL score, etc., Ryan dropped in quite an insightful nugget of information. So, for something like a credit score, one can piggyback off an existing kind of revolution...
Unlike the decade-long, credit-driven society of the US, Indian credit customers have never been a part of the formal financial economy and the problem of thin file. So services have come out with things like income "smoothing", or predicting what the next 30 days will look like based on your last 90 days of income history. Such things will prove q...
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Ryan Graciano. CTO & co-Founder at Credit Karma. Contact. Join to edit. About. 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.
Directory. Ryan Graciano, CS '04. CTO and Co-founder, Credit Karma. Biography. As Credit Karma Co-Founder and Chief Technology Officer, Ryan Graciano is responsible for Credit Karma’s technology strategy and infrastructure. He oversees the company’s engineering, data science, data analytics and core product teams.
