Chime Financial, Inc
Staff AI/ML Engineer
San Francisco, CA, USA · Staff+ · 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 (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.
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DOL prevailing wage, 2026-27 wage year · Software Developers (15-1252) · 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.
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About the role
- Take models from problem framing through to production - training, evaluation, deployment, monitoring, and iteration - and stay accountable for how they behave once they're live
- Connect model performance to member outcomes and business metrics, and use experimentation to prove impact
Responsibilities
- Design and improve the 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, and to make sure the solution is the right one
- Set the technical roadmap for Lending ML and raise the bar across the team through design reviews, mentorship, and shared standards for model development, validation, and governance
Requirements
- Hands-on experience across the end-to-end ML lifecycle - training, experimentation, optimization, deployment, and monitoring
- Comfort with messy real-world data, including label definition, leakage, class imbalance, and train/serve skew
- Working knowledge of modern ML infrastructure - AWS and tools such as SageMaker, Airflow, Kafka, Redis, and Snowflake - and an MLOps mindset for keeping production systems healthy
- To thrive in this role, you have
Nice to have
- Deployed transformer models in production
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
- Experience in either of these is a plus:
- Credit or underwriting models, and familiarity with model governance, explainability, and fairness requirements, such as adverse action reason codes and fair lending testing
- 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.
- We're a team of problem solvers, dreamers, and builders with one shared obsession: our members.
- We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
Compensation
- Below is the base salary offered for this role and level of experience.
Benefits
- 💻 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 designed to support you at every stage of life.
- 🏝 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 to use towards eligible wellness related expenses
- 👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- Chime's Data Science & Machine Learning team builds the models, services, and platforms behind how millions of members manage and grow their financial lives.
- Solid machine learning fundamentals: classical modeling, evaluation design, and knowing which metric actually answers the question in front of you
Company info
- Wage Notice $246,000 - $340,000 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.
- Whether you're coming in regularly or are part of our fully remote program, you'll stay engaged with your work and teammates.
This listing is sourced directly from Chime Financial, Inc's careers page and normalized into a canonical job model.