Chime Financial, Inc

Chime Financial, Inc

Senior Data Scientist, Lending

San Francisco, CA, USA · Senior · Full-time

Sponsorship not specifiedDetected 22 days ago
SQLMachine LearningdbtData EngineeringData ScienceData VisualizationStatisticsA/B TestingForecastingExperimental Design

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.
  • The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000.

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

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

  • The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000.
  • The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Benefits

  • Full-time employees are also eligible for a bonus, competitive equity package, 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.
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