Senior AI/ML Engineer

About the role

We’re hiring for a Senior AI/ML Engineer, Growth & Marketing AI to help us build the next generation of AI-powered growth and marketing capabilities at Chime. In this role, you’ll develop foundational transformer models that convert behavioral and financial data into highly personalized experiences, recommendations, and communications for millions of members.

You’ll work closely with the Growth & Marketing team, as well as the Product and Engineering teams to deploy scalable AI systems that improve member engagement and drive company growth. This is a highly applied role where you’ll have the opportunity to work with rich datasets, solve challenging real-world problems, and build cutting-edge deep learning systems in production.

Pay

The base salary offered for this role and level of experience will begin at $172,000.00 and up to $238,000.00. 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

• Develop and deploy sequential deep learning models and traditional machine learning systems to power growth and marketing initiatives
• Build predictive models using large-scale financial, transactional, and behavioral datasets to improve personalization and member engagement
• Partner cross-functionally with Growth & Marketing, Product, and Engineering teams to drive strategic AI/ML initiatives
• Design and improve infrastructure for training, serving, and monitoring large-scale ML and deep learning systems in both batch and real-time environments
• Generate insights and recommendations that improve growth effectiveness and the overall member experience
• Contribute to experimentation frameworks, optimization strategies, and scalable ML platform capabilities
• Help identify technology gaps and opportunities where AI/ML solutions can create measurable business impact

Requirements

• Deep expertise in building sequential and deep learning models, especially outside of traditional NLP applications and within financial or behavioral data domains
• Strong experience across the end-to-end ML lifecycle, including training, experimentation, optimization, deployment, and monitoring
• Experience working with large-scale transactional, financial, or behavioral datasets to develop predictive models
• Hands-on experience with AWS and modern ML infrastructure tools such as SageMaker, Kafka, Airflow, Redis, Snowflake, and Spark
• Strong proficiency in Python, SQL, and distributed computing and model training frameworks such as PyTorch and PySpark for scalable ML development
• A strong MLOps mindset with experience deploying and maintaining production-grade ML systems
• The ability to operate independently, collaborate cross-functionally, and move quickly in ambiguous environments

Qualifications

• Master's degree in Computer Science, Statistics, Mathematics, or a related field
• Minimum of 5 years of relevant work experience in AI/ML engineering
• Proven track record of delivering high-quality, scalable AI/ML solutions
• Experience with cloud platforms like AWS
• Experience with deep learning frameworks such as TensorFlow, PyTorch, or Keras
• Experience with distributed computing and model training frameworks
• Experience with large-scale data processing and analysis tools

Skills

• Deep understanding of machine learning algorithms and techniques
• Experience with natural language processing (NLP)
• Experience with financial or behavioral data analysis
• Experience with large-scale data management and analytics
• Experience with cloud-based machine learning platforms
• Experience with distributed computing and parallel processing
• Experience with data visualization and reporting tools

Benefits

• Competitive salary based on experience
• 401(k) match plus great medical, dental, vision, life, and disability benefits
• Generous vacation policy and company-wide Chime Days
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Annual wellness stipend to use towards eligible wellness related expenses
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In-person and virtual events to connect with your fellow Chimers

Schedule

This is a full-time position with a hybrid schedule, consisting of four days in the office and one day from home for those near an office location. Fridays are remote for all employees.

Additional Information

A little about us: 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 services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

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