Lead Data Analyst, MyPay

About the role

We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead 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.

The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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.

Responsibilities

• Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
• Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
• Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
• Cross-Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
• Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.

Requirements

• Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
• Technical Expertise: * 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.
• Experimentation Mastery: Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
• Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
• Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.

Qualifications

• Education: Bachelor's degree in Computer Science, Statistics, Mathematics, or a related field.
• Additional Certifications: Certified Data Scientist (CDS), Certified Credit Risk Analyst (CCRA), or similar certifications preferred.

Skills

• Data Analysis: Proficiency in data analysis tools such as Tableau, Power BI, or similar.
• Machine Learning: Experience with machine learning libraries like TensorFlow, PyTorch, or scikit-learn.
• Statistical Modeling: Strong knowledge of statistical methods and their applications in credit risk assessment.
• Python: Advanced proficiency in Python for data manipulation and analysis.
• A/B Testing: Hands-on experience with A/B testing frameworks and methodologies.
• Collaboration: Excellent communication and collaboration skills with cross-functional teams.

Benefits

• Competitive Salary: Starting at $152,000.00 and up to $210,000.00, depending on experience and location.
• Equity Package: Competitive equity compensation.
• Benefits: Medical, dental, vision, life, and disability insurance.
• Flexible Work Policy: Option to work 4 days in the office and 1 day from home, plus company-wide events.
• Generous Vacation Policy: 20-25 days of paid vacation per year.
• Community Engagement: 1% of your time off to support local community organizations.
• Wellness Stipend: Up to $1,000 to use towards eligible wellness-related expenses.
• Paid Parental Leave: Up to 24 weeks for birthing parents and 12 weeks for non-birthing parents.
• Family Planning: Up to $15,000 lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• Events: In-person and virtual events to connect with fellow Chimers, including cooking classes, guided meditations, music festivals, mixology classes, paint nights, and snack boxes.

Pay

The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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.

Schedule

In this role, you can expect to work a standard full-time schedule, typically 40 hours per week.