Senior Data Scientist, Lending

About the role

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.

Responsibilities

• 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.
• 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.
• 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.
• Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.
• 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.
• Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app.
• 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.
• Translate complex findings into executive-ready narratives that inspire action and alignment.

Requirements

• 5–7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus).
• Expert-level SQL ability and proficiency in Python.
• Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.
• 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.
• 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.
• Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
• Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus
• Familiarity with building data pipelines using tools like dbt or Airflow.
• Familiarity with AI coding tools (such as Claude Code and Cursor).

Qualifications

• Master's degree in Statistics, Computer Science, Data Science, Economics, Finance, or a related field.
• Proven track record of delivering impactful data-driven projects.
• Experience with large-scale data processing and analysis, including ETL processes and data warehousing.
• Experience with statistical modeling and machine learning techniques.
• Experience with data visualization tools such as Tableau, Power BI, or similar.
• Experience with cloud-based data storage solutions like AWS, Google Cloud, or Azure.

Skills

• Advanced SQL and Python programming skills.
• Knowledge of data analysis and machine learning libraries such as Pandas, NumPy, Scikit-Learn, TensorFlow, or PyTorch.
• Experience with data visualization tools like Tableau, Power BI, or similar.
• Experience with cloud-based data storage solutions like AWS, Google Cloud, or Azure.
• Experience with data pipeline tools like dbt or Airflow.
• Experience with AI coding tools such as Claude Code and Cursor.

Benefits

The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Pay

The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000.

Schedule

This role is full-time.