Data Science Manager, Chime
$199-281.9k
+ Bonus + Equity
Mobile banking for the everyday person
Open for applications
Mobile banking for the everyday person
1001+ employees
Open for applications
$199-281.9k
+ Bonus + Equity
1001+ employees
Company mission
To make financial peace of mind a reality for millions of everyday people.
Role
Who you are
- We are looking for a hands-on Data Science Manager with deep technical expertise in machine learning and data science, particularly within the credit and lending domain
- Beyond technical proficiency, we value creativity, user empathy, and strong collaboration
- If you are passionate about lending, credit, underwriting, and building models to predict user behavior, this role could be a great fit for you
- 7+ years of industry experience developing machine learning models for credit risk products from inception to production, with a proven ability to tailor solutions to real-world business challenges in a cross-functional environment
- 5+ years of managerial experience in data science and machine learning, with a track record of leading teams to deliver impactful solutions
- Strong expertise in credit and lending risk assessment, with experience building and deploying models that meet regulatory requirements with respect to model governance and fair lending
- Deep understanding of modern AI/ML techniques, including classification, clustering, optimization, deep learning, and natural language processing
- Excellent product intuition and a passion for working iteratively in a fast-paced environment
- M.S. or Ph.D. in Machine Learning or a related STEM field, with hands-on experience building production ML pipelines, from development to deployment, at scale
- Proficiency in Python and intermediate to advanced knowledge of SQL, with the ability to wrangle data from diverse sources
- Experience with technologies such as AWS, Kafka, Airflow, Redis, MySQL, Postgres, Spark, Snowflake, and Looker
- Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing
What the job involves
- Chime’s Data Science and Machine Learning team is building models, services, and platforms that transform how millions of users manage and grow their financial lives
- As a Data Science Manager within our Financial Security products team, you will lead a talented group of data scientists and machine learning engineers to develop innovative credit and lending models
- These models will provide critical insights into Chime members’ financial health, broaden access to credit, and ensure financial inclusivity
- Lead cross-functional initiatives to deliver impactful machine learning solutions that enhance member experiences, with a focus on credit and lending products
- You will play a pivotal role in creating innovative, ground-up products while driving the development of cutting-edge risk assessment models and lending insights solutions
- Manage and inspire a talented team, driving the development of innovative credit insights and risk assessment solutions that impact millions of customers
- Oversee the end-to-end development and deployment of advanced machine learning models to improve the accuracy, fairness, and inclusivity of credit assessments
- Collaborate with Legal and compliance in regards to fair lending practices and and model governance
- Play a key role in shaping the credit team’s strategic direction and ensuring alignment with Chime’s broader business goals
- Leverage transactional and financial data to improve access to capital for loan applicants and enhance member financial security
- Champion a data-driven approach to decision-making across the organization
- Make critical long-term decisions regarding machine learning processes and best practices
- Collaborate with product managers, engineering, and other stakeholders to shape the product roadmap and define project goals
- Directly contribute to Chime’s success by delivering data science solutions that improve both customer satisfaction and business outcomes
Our take
Chime is part of the growing realm of fintech banks and providers, emphasizing 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 meager 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 $25.5B, a staggering $23.5B surge from its early 2019 valuation, underscoring its impressive and swift expansion. However, competition remains fierce, with other neobanks like Ally offering similar features and vying for the same customer base.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Few candidates hear
back within 2 weeks
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 values
- Be member-obsessed: We are guided by a deep understanding of our members' needs and a devotion to meeting those needs at every step. We practice empoathy in everything we do
- Be human: We keep it real. We build trust and connection with our members by making them laugh, feel understood, and get inspired
- Bew bold: We dream big. We set audacious goals, tackle the hard stuff, and do things that no bank has done before. We see a broken industry and believe in our ability to change it forever
- Simplify: We start with the simplest solution and only add to it if necessary. We are famously practical and focused. Our motto is "Do Less. Faster. More often."
- Make it happen: We measure the impact of our work and push hard to hit our goals. We find ways around roadblocks. We hold each other accountable to a high bar for performance
- Respect the rules: We take seriously our obligations to regulators, partners, and the public. We move fast and push for changes without cutting corners. We risk failure if we ever break the regs
- Team up: We know great work isn't done alone. We organize into teams that leverage the different strengths we each bring. We are stronger when we have each other's backs
- Chime in: As owners, we have an obligation to speak up. We share our ideas, ask hard questions, and give candid feedback. When others chime in, we value what they have to say
Company HQ
Nob Hill, San Francisco, CA
Articles
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.
Salary benchmarks
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Diversity, Equity & Inclusion at Chime
Erica Johnson (Head of Diversity, Equity, and Belonging)
- Https://medium.com/life-at-chime/its-a-chimed-life-meet-erica-johnson-our-new-head-of-diversity-equity-and-belonging-6f911b837678
- Https://medium.com/life-at-chime/the-value-of-buy-in-from-leadership-how-our-crg-exec-sponsors-make-chime-and-our-crgs-a-f2996aa4c41a
- Https://medium.com/life-at-chime/scaling-crgs-how-diversichime-helps-grow-our-crgs-with-intentionality-and-intersectionality-28af791a5148
- Https://medium.com/life-at-chime/the-cost-of-being-yourself-a4265f3e5a6e
- Https://medium.com/life-at-chime/chimehers-chimes-in-the-role-of-female-role-models-696702e81daa
- Https://medium.com/life-at-chime/chimers-chime-in-the-importance-of-being-out-at-work-883870d5d3c
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