Data Scientist

Chime is a financial technology company on a mission to help everyone achieve financial progress. We're looking for a Sr. Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams.

• Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance — shaping strategy, not just measuring it
• 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
• Own metrics across the lending funnel — adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, and Direct Deposit growth/retention
• Help establish high-quality eventing to track member behaviors
• Define what "good" looks like and build dashboards to track portfolio and product health
• Translate complex findings into executive-ready narratives

• 5–7 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
• Strong business intuition and judgment, experience applying prioritization frameworks (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)

• Base salary range: $133,000 - $185,000 USD
• Full-time employees may also be eligible for bonus(es), competitive equity, and benefits