Lead Data Analyst, MyPay

About the Role

We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead risk strategy for MyPay Chimes innovative product that provides members with early access to their earned this role you will be the cornerstone of our MyPay risk function balancing rapid product growth with responsible risk management and loss mitigation.

You will sit at the intersection of credit risk strategy and data science. You will own the underwriting limit assignment and loss forecasting strategies for MyPay leveraging your deep technical expertise to build data-driven solutions. You will also directly manage mentor and grow a team of talented Data Analysts to execute on complex analyses and experimentation.

The base salary offered for this role and level of experience will begin at $152000.00 and up to $210000.00. Full-time employees are also eligible for a bonus competitive equity package and benefits. The actual base salary offered may be higher depending on your location skills qualifications and experience.

In this role you can expect to

• Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product including underwriting policies dynamic limit assignments and repayment strategies.
• Lead Experimentation: Design execute and analyze rigorous A/B tests to optimize credit limits user experience and risk/reward trade-offs.
• Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals improve predictive models and automate risk decisioning.
• Cross-Functional Collaboration: Partner closely with Product Management Engineering Data Science and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
• Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance loss metrics and the financial health of the MyPay program.

To thrive in this role you have

• Experience: 7 years of experience in credit risk data science or advanced analytics preferably within consumer lending fintech or earned wage access (EWA).
• Technical Expertise: * Expert-level proficiency in SQL for complex data extraction and manipulation.
• Strong programming skills in Python (Pandas NumPy Scikit-learn) for data analysis and predictive modeling.
• Experimentation Mastery: Deep hands-on experience designing launching and analyzing A/B tests and multivariate experiments with a strong grasp of underlying statistical concepts.
• Domain Knowledge: Solid understanding of consumer credit risk principles loss forecasting and unit economics.
• Communication: Exceptional ability to translate complex data and technical concepts into actionable high-level strategies for executive stakeholders.

#LI-EI1 #LI-Onsite

A little about us

At Chime we believe that everyone can achieve financial progress. We created Chimea financial technology company not a bank*on the premise that core banking services should be helpful easy and free. Through our user-friendly tools and intuitive platforms we empower our members to take control of their finances and work towards their goals. Whether its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were a team of problem solvers dreamers and builders with one shared obsession: our members. From day one Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owners mindset to our work refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams our company and our members.

We believe in being bold dreaming big and taking risks while also working together embracing our diverse perspectives and giving each other honest feedback. Our culture remains deeply entrepreneurial encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission we must earn and keep peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour values are embedded in every aspect of our business serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we dontwho will

*Chime is a financial technology company not a bank. Banking services provided by The Bancorp Bank N.A. or Stride Bank N.A. Members FDIC.

What we offer for our full-time regular employees

• Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices plus team and company-wide events depending on location. Whether youre coming in regularly or are part of our fully remote program youll stay engaged with your work and teammates.
• In-office perks including backup child elder and/or pet care plus a subsidized commuter benefit to support your regular commute
• Competitive salary based on experience
• 401k match plus great medical dental vision life and disability benefits
• Generous vacation policy and company-wide Chime Days bonus company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to Maven a family planning tool with $15k lifetime reimbursement for egg freezing fertility treatments adoption and more.
• In-person and virtual events to connect with your fellow Chimersthink cooking classes guided meditations music festivals mixology classes paint nights etc. and delicious snack boxes too!
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work cant be done without a diverse team and inclusive environment. Thats why we specifically look for individuals of varying strengths skills backgrounds and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race color ancestry religion sex national origin sexual orientation gender identity age marital or family status disability genetic information veteran status or any other legally protected basis under provincial federal state and local laws regulations or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws including the San Francisco Fair Chance Ordinance Cook County Ordinance NYC Fair Chance Act and the LA City Fair Chance Ordinance and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process please contact: .

To learn more about how Chime collects and uses your personal information during the application process please see theChime Applicant Privacy Notice.