Data Analyst, Chime
Credit Risk
$109-150k
Mobile banking for the everyday person
Be an early applicant
Mobile banking for the everyday person
1001+ employees
Be an early applicant
$109-150k
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- 3+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA)
- Expert-level proficiency in SQL for complex data extraction and manipulation
- Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling
- Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts
- Solid understanding of consumer credit risk principles, loss forecasting, and unit economics
- Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders
Desirable
- Advanced degree (Master’s or PhD) in a quantitative field (Statistics, Mathematics, Economics, Computer Science, etc.)
- Prior experience working specifically with Earned Wage Access (EWA), cash advance, or short-term liquidity products
- Familiarity with modern data stacks (e.g., Snowflake, dbt, Looker)
What the job involves
- We are looking for a highly analytical and strategic Data Analyst of Credit Risk to support risk strategy for MyPay, Chime’s innovative product that provides members with early access to their earned wages
- In this role, you will be the cornerstone of our MyPay risk function, balancing rapid product growth with responsible risk management and loss mitigation
- You will sit at the intersection of credit risk strategy and data science
- You will own the underwriting, limit assignment, and loss forecasting strategies for MyPay, leveraging your deep technical expertise to build data-driven solutions
- You will also directly manage, mentor, and grow a team of talented Data Analysts to execute on complex analyses and experimentation
- Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies
- Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs
- Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning
- Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets
- Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program
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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