AI/ML Engineer

Chime's Data Science & Machine Learning team builds the models, services and platforms behind how millions of members manage and grow their financial lives. The Lending and Cashflow team leads modeling behind cash flow underwriting and member insight.

• Lead the design, training and deployment of deep learning and classical ML underwriting models for credit decisions, approval, line assignment and loss forecasting
• Take models from problem framing through production: training, evaluation, deployment, monitoring and iteration
• Design and improve systems around the model: feature pipelines, batch and real-time inference, monitoring and retraining
• Partner with Product, Engineering, Analytics and Risk to turn ambiguous business problems into ML solutions
• Connect model performance to member outcomes and business metrics, using experimentation to prove impact
• Set the technical roadmap for Lending ML and raise the bar through design reviews, mentorship and shared standards
• Identify where AI/ML creates measurable impact

• Track record leading design and deployment of deep learning models in production, including multi-quarter cross-team initiatives
• Solid machine learning fundamentals: classical modeling, evaluation design and metric selection
• Hands-on experience across the end-to-end ML lifecycle
• Comfort with messy real-world data: label definition, leakage, class imbalance, train/serve skew
• Strong proficiency in Python and SQL, deep learning frameworks such as PyTorch, distributed compute such as Spark or PySpark
• Working knowledge of ML infrastructure: AWS, SageMaker, Airflow, Kafka, Redis, Snowflake, and an MLOps mindset
• Ability to operate independently in ambiguous environments and explain model decisions clearly
• Nice-to-have: credit/underwriting models, model governance and fairness, cash flow or alternative-data underwriting, deployed transformer models

• Base salary $246,000 – $340,000 USD
• Eligible for bonus(es), competitive equity and benefits
• Onsite role