Senior Data Analyst, Chime
Credit Risk
$133-185k
+ Bonus and equity package
Fridays from home
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
$133-185k
+ Bonus and equity package
Fridays from home
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
- 4+ years of analytical experience, preferably at a FinTech company
- 2+ years of experience in a Credit Risk or related roles
- Advanced SQL skills and Microsoft Excel skills
- Experience in Python preferred
- Exceptional detail-orientation and organizational skills. You are eager to solve challenging analytical problems for our members
- The drive to work in a fast-paced environment and exceed ambitions deadlines while ensuring flawless completion
- Bachelor's or Master's degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
- A passion for Chime’s mission
What the job involves
- We are hiring a Sr. Risk Analyst who is data-driven and has strong analytical & technical skills. In this role, you will work on the Credit Risk team and will play a key role in launching new products and optimizing loss rates on the existing portfolio
- You’ll work closely with product, engineering, data analytics, and finance teams, interacting with key stakeholders across many departments
- Be responsible for the underwriting, risk management and performance of various lending products; specifically installment loans
- Develop credit policies and continuously iterate to improve credit product approval criteria and line assignment strategies
- Design, develop, test, refactor and scale backend implementation of new and existing risk strategies for consumer credit products
- Devise and apply various analytical tools and techniques to validate risk models and strategies. Leverage external and internal Chime data to build credit models and policies in partnership with our Data Science team
- Leverage external and internal Chime data to build credit models and policies in partnership with our Data Science team
- Collaborate with various data teams to build data infrastructure and establish reporting dashboards that will help senior management understand credit risk trends and exposures
- Collaborate with cross functional teams (product, finance, legal , compliance and marketing, engineering ) across the company to assess and implement new credit risk initiatives
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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