Senior Data Scientist, Lending

<h2>About the role</h2> <p>We're looking for a Sr. Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across Chime's portfolio of liquidity and credit products — MyPay, Instant Loans, SpotMe, and Line of Credit. You'll turn data into the decisions that shape how millions of members access liquidity, build credit, and get value from Chime — while balancing growth, member trust, and risk/compliance performance.</p> <p>This role sits at the intersection of product, data, experimentation, and risk. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship. You'll connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth — not just product usage.</p> <p><span style="font-family: helvetica, arial, sans-serif;">The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.</span></p> <h2>In this role, you can expect to</h2> <ul> <li>Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance — shaping strategy, not just measuring it. You'll proactively surface opportunities and risks, framing the right questions before they're asked.</li> <li>Build a rich experimentation and A/B testing program across MyPay, Instant Loans, and SpotMe — including metric creation, experiment design, power analysis, and results analysis.</li> <li>Drive data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics, and running ad hoc analyses and causal studies.</li> <li>Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.</li> <li>Own metrics across the lending funnel — adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, and Direct Deposit growth/retention — and use them to drive experiments.</li> <li>Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app.</li> <li>Define what "good" looks like — optimizing for long-term member and business value while balancing growth against loss and risk — and build dashboards to track portfolio and product health.</li> <li>Translate complex findings into executive-ready narratives that inspire action and alignment.</li> </ul> <h2>To thrive in this role, you have</h2> <ul> <li>5–7 years of relevant hands-on experience in product or business data science&nbsp; (FinTech, lending, or credit a plus).</li> <li>Expert-level SQL ability and proficiency in Python.</li> <li>Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.</li> <li>Demonstrated experience acting as a trusted advisor to senior cross-functional partners — influencing decisions through both data and judgment. Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.</li> <li>A strong bias toward proactive problem discovery. You don't wait for tickets — you explore data, spot patterns, and bring forward opportunities that meaningfully change product direction.</li> <li>Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).</li> <li>Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus</li> <li>Familiarity with building data pipelines using tools like dbt or Airflow.</li> <li>Familiarity with AI coding tools (such as Claude Code and Cursor).</li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;">#LI-Hybrid #LI-AM1</span></p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking s