Nitin Shantharam

CTO

San Francisco, California, United States17 yrs 5 mos experience

AI ML PractitionerAI Enabled

Key Highlights

Led monetization verticals at Credit Karma.
Expert in Generative AI and data infrastructure.
Proven track record in scaling products to millions.

Stackforce AI infers this person is a Fintech leader with expertise in engineering and AI-driven product strategies.

Contact

atomicunit@gmail.com LinkedIn

Skills

Core Skills

Engineering LeadershipProduct Strategy

Other Skills

AlgorithmsC (Programming Language)C#Computer ScienceData PipelinesE-CommerceE-commerceEntrepreneurshipEvaluation FrameworksGenerative AIHardware DevelopmentInfrastructure SetupInstitutional InvestmentsJavaJavaScript

About

As Senior Director of Engineering at Credit Karma, I lead all of our monetization verticals — Cards, Personal Loans, Auto Loans, Home, Insurance, and International — as well as Credit Karma’s Quality Engineering organization. I also run our Shopping Futures team, working in close partnership with Data Science on Generative AI initiatives that include data pipelines, infrastructure setup, model post-training, and evaluation frameworks. I began my career as a builder — launching products from zero to one and scaling them to millions of users. Over time, I’ve grown into leading large organizations, shaping strategy, and driving execution across platforms and product lines. Today, my focus is on bridging research and applied engineering, aligning technical innovation with business strategy, and operationalizing AI systems at scale to deliver real-world impact.

Experience

Rippling

VP, Engineering

Dec 2025 – Present · 3 mos · San Francisco, California, United States · On-site

Credit karma

3 roles

Senior Director, Engineering

Promoted

Mar 2024 – Nov 2025 · 1 yr 8 mos

Lead all monetization verticals (Cards, Personal Loans, Auto Loans, Home, Insurance, International), Lightbox, and Quality Engineering. I also oversee the Shopping Futures team on Generative AI initiatives including data, infra setup, post-training, and evaluation pipelines.

Generative AIData PipelinesInfrastructure SetupModel Post-TrainingEvaluation FrameworksEngineering Leadership+1

Director II, Engineering

Sep 2021 – Feb 2024 · 2 yrs 5 mos

Director, Engineering

Jun 2019 – Sep 2021 · 2 yrs 3 mos

Pioneer fund

Venture Partner

Oct 2023 – Present · 2 yrs 5 mos

Multiple companies

Angel Investor

Jan 2021 – Present · 5 yrs 2 mos

Investor in startups like Automorphic, Fathom, Kodo, and more.

Walmart

Director Of Engineering

Mar 2019 – Jun 2019 · 3 mos

Led the mobile and web engineering teams across Art.com and Hayneedle.

Art.com

Director Of Engineering

Mar 2017 – Mar 2019 · 2 yrs

Walmart acquired Art.com in early 2019.
Led the search & personalization teams at the top of the funnel to improve the user experience and launch new features. Leading APIs & architecture to facilitate the development of secure, scalable, and resilient products. Recruited and leading the iOS and Android teams to launch and maintain our phone and tablet applications. Led the development of ArtView / augmented reality features.
Mar 2017 – Dec 2017 - Sr. Manager Mobile Engineering

Swapbox

Co-Founder & CTO

Jan 2012 – Mar 2017 · 5 yrs 2 mos · San Francisco, CA

Acquired August 2017 by SDBIC
We're building kiosks to automate the post office. As co-founder I worked from the ground up to launch our package delivery infrastructure in 2013, raised funding from notable investors, and built/maintained our infrastructure. Swapbox is a YC W13 company and has raised capital from institutional investors.

Microsoft

Software Development Engineer

Jan 2011 – Jan 2011 · 0 mo · Mountain View, CA

Xbox Media Platform R&D - Worked on YouTube and Hulu applications for the Xbox 360. Architected and implemented an underlying framework for these applications.

Bidfire

Senior Software Engineer

Jan 2010 – Jan 2011 · 1 yr

Designed and developed a new platform for Bidfire’s auction product. Worked with an existing team to maintain an existing platform that handled time critical real-time auctioning of products across web and mobile web products.

Peoplejar

CTO

Feb 2008 – Feb 2010 · 2 yrs

As CTO at PeopleJar, I designed the search platform and led the engineering team. PeopleJar developed a novel platform to search for people based on skills and interests.

Google

Software Engineer

Jun 2007 – Sep 2007 · 3 mos · Mountain View, CA

Implemented feed recommendations which was deployed in 2007 to all Google users. Worked on the user interface for recommendations and analysis of which algorithms to use to show the best feed recommendations.