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The Data and Analysis Team at KarmaLifeAI is responsible for collecting, processing, and analyzing alternative data points and payment behaviors of gig workers to enhance their financial solutions. By leveraging advanced data science techniques and engineering, the team develops predictive models to evaluate credit risks and unlock higher credit lines for users. Additionally, the team provides business insights to optimize the subscription model, ensuring an improved financial well-being of blue-collar gig workers and micro-businesses.