Ryan Graciano Email Address

Chief Technology Officer and Cofounder

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I am a co-founder of 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. Credit Karma has scaled aggressively to become a major disruptor of the consumer finance industry, today valued in the billions with above 50 million members. As Chief Technology Officer, I designed the engineering framework and organization to support this growth. I manage a team that has grown from just me, to now include hundreds of engineers and counting. Prior to joining Credit Karma, I worked for a small company that was acquired by IBM, where I subsequently spent a few years on search engines and enterprise software. I have a Bachelors degree in Computer Science from the Georgia Institute of Technology, a background in scalable systems and networks, and a lifelong passion for computer code and security.