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CTO & Cofounder at Credit Karma

As a co-founder of Credit Karma and Chief Technology Officer, Ryan Graciano has grown the company’s engineering organization 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 cross-disciplinary organization consisting of design, security, core product and engineering, all 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, particularly AI’s potential to shape the future of finance.

Ryan serves on the Board of Advisors for the College of Computing at Georgia Tech, his alma mater, and is an early investor in a few companies. Before co-founding Credit Karma, Ryan spent three years at IBM.

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