Chime Financial, Inc
Senior Data Scientist, Lending
San Francisco, CA, USA · Senior · Full-time
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odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~45% per draw at Level III). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
Personalize to your clock →H-1B wage level
the lottery is wage-weighted — each level is one more entry
$9,438 more — $142,438 — moves this role to Level II and 2 lottery entries. That figure is inside the range the employer already advertised.
Based on the DOL prevailing wage for this occupation and worksite, a base salary of $142,438 would place this position at wage Level II. That figure is within the posted range, and I'd like to target it. This role classifies under "Data Scientists" for prevailing-wage purposes.
DOL prevailing wage, 2026-27 wage year · Data Scientists (15-2051) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
Employer immigration record
from this employer's Department of Labor filings
Green-card filing pattern in this occupation
Green-card follow-through: 100%
Files H-1B transfers
Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.
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About the role
- This role sits at the intersection of product, data, experimentation, and risk.
- You'll connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth - not just product usage.
- You'll proactively surface opportunities and risks, framing the right questions before they're asked.
Responsibilities
- Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across Chime's portfolio of liquidity and credit products - MyPay, Instant Loans, SpotMe, and Line of Credit.
- You'll 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.
- You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship.
- 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.
- 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.
Requirements
- Expert-level SQL ability and proficiency in Python.
- To thrive in this role, you have
- Familiarity with AI coding tools (such as Claude Code and Cursor).
Nice to have
- Apply advanced causal inference, time-series, and forecasting methods to lending questions - origination pacing, adoption, repayment, and retention - plus occasional ML for member segmentation.
- 5-7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus).
- Exceptional data storytelling and data visualization ability.
- Experience with Hex and Looker a plus
Skills
- Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
Compensation
- Below is the base salary offered for this role and level of experience.
Benefits
- Full-time employees may also be eligible for bonus(es), competitive equity, and benefits.
- 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.
Company info
- Wage Notice $133,000 - $185,000 USD A little about us At Chime, we believe that everyone can achieve financial progress.
- From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life.
- Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
This listing is sourced directly from Chime Financial, Inc's careers page and normalized into a canonical job model.