Senior Data Scientist, Lending

About the role

Were looking for a Sr. Product Data Scientist to partner with our Lending Product Engineering Risk and Finance teams to drive measurable impact across Chimes portfolio of liquidity and credit products MyPay Instant Loans SpotMe and Line of Credit. Youll turn data into the decisions that shape how millions of members access liquidity build credit and get value from Chime while balancing growth member trust and risk/compliance performance.

This role sits at the intersection of product data experimentation and risk. Youll own funnels end-to-end design and analyze A/B tests and translate ambiguous business questions into clear prioritized recommendations that ship. Youll connect member liquidity outcomes to business metrics like revenue losses and Direct Deposit growth not just product usage.

The base salary offered for this role and level of experience will begin at $133000 and up to $185000. 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

• Operate as an independent thought partner to Lending Product Engineering Risk and Finance shaping strategy not just measuring it. Youll proactively surface opportunities and risks framing the right questions before theyre asked.
• Build a rich experimentation and A/B testing program across MyPay Instant Loans and SpotMe including metric creation experiment design power analysis and results analysis.
• Drive data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics and running ad hoc analyses and causal studies.
• Apply advanced causal inference time-series and forecasting methods to lending questions origination pacing adoption repayment and retention plus occasional ML for member segmentation.
• Own metrics across the lending funnel adoption conversion take rate originations revenue retention delinquency losses and Direct Deposit growth/retention and use them to drive experiments.
• Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chimes mobile app.
• Define what good looks like optimizing for long-term member and business value while balancing growth against loss and risk and build dashboards to track portfolio and product health.
• Translate complex findings into executive-ready narratives that inspire action and alignment.

To thrive in this role you have

• 57 years of relevant hands-on experience in product or business data science (FinTech lending or credit a plus).
• Expert-level SQL ability and proficiency in Python.
• Broad knowledge of applied statistics experimental design and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.
• Demonstrated experience acting as a trusted advisor to senior cross-functional partners influencing decisions through both data and judgment. Comfort speaking fluently in adoption approval/conversion rates and loss/risk tradeoffs is a strong plus.
• A strong bias toward proactive problem discovery. You dont wait for tickets you explore data spot patterns and bring forward opportunities that meaningfully change product direction.
• Strong business intuition and judgment and experience applying prioritization frameworks to your work (e.g. RICE Eisenhower matrix).
• Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus
• Familiarity with building data pipelines using tools like dbt or Airflow.
• Familiarity with AI coding tools (such as Claude Code and Cursor).

#LI-Hybrid #LI-AM1

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.