About the company
At Chime, we believe that everyone can achieve financial progress. We created Chime—a 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.
Responsibilities
- Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
- Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
- Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
- Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
- Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.
Requirements
- 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
- 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.
- Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
- Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
- Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.
Conditions
- In-office work policy: four days a week in the office and Fridays from home for those near one of our offices.
- Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- Comprehensive health, financial, and wellbeing benefits.
- Generous vacation policy and company-wide paid days off.
- 1% of your time off to support local community organizations of your choice.
- Annual wellness stipend.
- Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
- Access to family planning reimbursement.