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View Ryan Graciano’s profile on LinkedIn, a professional community of 1 billion members. I am co-founder and CPO at Credit Karma, a company dedicated to re-engineering one of the…
- 500+
- Credit Karma
- 12K
- Berkeley, California, United States
- 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...
- #259, 6th Cross Rd, 2nd Main Indiranagar, 1st Stage Bengaluru, Karnataka 560038
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
Jan 18, 2021 · As a co-founder of Credit Karma and CTO, 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.
Today we are talking to Ryan, the Co-Founder and CTO at Credit Karma. And we discuss the toughest lessons learned after going through a hyper growth faze, t...
- 51 min
- 272
- Modern CTO
About Ryan Graciano. I am co-founder and CTO at Credit Karma, a company dedicated to re-engineering one of the largest industries in the world – consumer finance. Credit Karma’s mission is to help consumers have a better future by simplifying decision-making and management of personal credit and finances.
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.
