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About the Role

Partner with Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across Chime's portfolio of liquidity and credit products. Turn data into 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. This role sits at the intersection of product, data, experimentation, and risk, owning funnels end-to-end, designing and analyzing A/B tests, and translating ambiguous business questions into clear, prioritized recommendations.

Responsibilities

Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance, shaping strategy and proactively surfacing opportunities and risks.
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.
Own metrics across the lending funnel and use them to drive experiments.
Help establish high-quality eventing to track member behaviors along liquidity and credit journeys.
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.
Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.
A strong bias toward proactive problem discovery.
Strong business intuition and judgment, and experience applying prioritization frameworks to your work.
Exceptional data storytelling and data visualization ability.
Familiarity with building data pipelines using tools like dbt or Airflow.
Familiarity with AI coding tools (such as Claude Code and Cursor).

Skills

SQL
Python
Applied statistics
Experimental design
A/B testing analysis
Machine learning techniques
Data storytelling
Data visualization
dbt
Airflow
Claude Code
Cursor

Location

Hybrid

Work Type

Hybrid
Full-time

Experience Level

Senior

Salary/Compensations

$133,000 - $185,000

Benefits

Bonus
Competitive equity package
Backup child, elder, and/or pet care
Subsidized commuter benefit
401k match
Medical, dental, vision, life, and disability benefits
Generous vacation policy
Company-wide Chime Days
Bonus company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 24 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.

About the Company

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.
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.
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.
*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.

Equal Opportunity

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances.
We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws.
If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.