Lead Data Scientist, Chime
Credit Risk
$152-210k
4 days a week in office
Mobile banking for the everyday person
Be an early applicant
Mobile banking for the everyday person
1001+ employees
Be an early applicant
$152-210k
4 days a week in office
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- A Master's degree (required) in Statistics, Economics, Engineering, Math, Finance, Computer Science, or another quantitative discipline; a PhD is a plus
- 7+ years of analytical or data science experience in Financial Services, preferably at a FinTech company
- 4+ years of experience building and managing risk for unsecured credit products such as installment loans, lines of credit, or credit cards; acquisition / underwriting experience strongly preferred
- Hands-on experience with credit bureau data and prescreen, pre-approval, or direct mail credit programs
- Experience with credit furnishing, bankruptcies, delinquency, and write-off policies, and working knowledge of consumer lending regulation (FCRA, ECOA / Reg B, fair lending, adverse action)
- Excellent SQL and Python skills, advanced Microsoft Excel skills, and experience working in Looker or a similar business intelligence tool
- A strong grounding in statistics and machine learning for credit, including scorecards / gradient-boosted models, swap-set analysis, vintage analysis, and experiment design
- Hands-on, detail-oriented leader with exceptional communication skills who can explain a trade-off to executives and defend the math behind it
- Ability to work in a fast-paced, complex environment and meet ambitious deadlines while ensuring flawless completion
- A strong passion for Chime's mission and solving challenging analytical problems for the business
- Nice to have: subprime or near-prime lending, affiliate or marketplace lending, credit card line management, or cash-flow / alternative-data underwriting experience
What the job involves
- We are looking for an experienced Credit Risk Data Scientist who is data-driven, has strong analytical and technical skills, and operates with a high degree of ownership. In this role, you will lead the credit strategy that lets Chime lend to people before they have a relationship with us — starting with Instant Loans for new members (top of funnel) and expanding to future unsecured credit products such as credit cards
- You'll develop risk policies and strategies to manage credit risk throughout the member lifecycle, and you'll work as a trusted cross-functional partner with product, growth, data engineering, machine learning, and analytics teams, interacting with business stakeholders across many departments
- Own credit strategy for new-to-Chime applicants across the member lifecycle, starting with Instant Loans for prospects (top of funnel) and extending to future unsecured products such as credit cards and/or lines of credit
- Develop and evolve channel-specific credit policies (pre-approval / prescreen, direct mail, open application, referrals, and affiliates) that support growth while balancing risk, unit economics, and member experience
- Design and continuously iterate acquisition, loan amount / line assignment, pricing, line management, repayment, and collections strategies
- Leverage credit bureau (e.g., Experian), alternative, and internal Chime data to underwrite applicants with no prior Chime relationship; build credit models and policies hands-on and in partnership with our DSML team
- Lead test-and-learn: design and read out champion/challenger tests and controlled ramps, and quantify trade-offs among approvals, losses, direct deposit conversion, and lifetime value
- Partner with Finance and Strategy to size new channels and forecast approval funnels, vintage losses, and unit economics; set launch criteria, guardrails, and expansion triggers
- Collaborate with data teams to build data infrastructure and early-read monitoring and dashboards (first payment default, delinquency, vintage and roll rates) that help senior management understand credit risk trends and exposures
- Work with cross-functional teams including DSML, Product, Design, Engineering, and Decision Platform to test and implement risk models and strategies in production, including accurate adverse action reasons
- Partner with Compliance, Legal, Fair Lending, Model Risk Management, Fraud, and our bank partners to document, approve, and govern credit policies
- Mentor and work collaboratively with other credit risk data scientists to develop strategies, share knowledge, and raise the team's analytical bar
Our take
Chime is part of the growing realm of fintech banks and providers, emphasising straightforward, cost-effective banking solutions. It cuts the expenses tied to basic bank accounts and provides users with greater autonomy in managing their finances.
In contrast to many traditional banks that levy steep fees and hefty penalties for overdrafts while offering meagre interest rates on savings, Chime addresses a crucial gap in the banking sector. Its primary focus is on catering to individuals with modest savings who seek the convenience of automated digital banking.
With a remarkable ascent in its trajectory, Chime's current valuation stands at $11.6B since its 2025 IPO. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base. That being said, Chime's IPO, rare in a financially uncertain period, proves that it has shifted from challenger to major player.
Freddie
Company Specialist at Welcome to the Jungle
Insights
0% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Aug 2021
$750m
SERIES G
Sep 2020
$485m
SERIES F
Total funding: $2.0bn
Company benefits
- Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
- Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
- Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
- Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events
Company HQ
Nob Hill, San Francisco, CA
Leadership
Chris Britt
(Co-Founder & CEO)Chris worked as an Accenture Management Consultant for 4 years before roles at CMGI, Comscore Networks, and Visa. They left their position as an SVP of Corporate Development at Green Dot Corporation to co-found Chime in November 2012.
Ryan King
(Co-Founder)Ryan worked at Plaxo for 8 years, first as Lead Engineer and then working their way up to VP of Engineering & COO. They went on to be CTO & Vice President at Comcast Silicon Valley Innovation Centre before co-founding Chime.
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