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About the Role

We are hiring a Sr. Data Scientist, Referrals to understand how our referral investment drives member acquisition and long-term value. This role requires a distinct measurement lens to account for organic bleed, incentive sensitivity, and long-term referred member behavior. You will partner closely with the Referrals team to measure, optimize, and scale spend across the referral channel, bringing expertise in campaign sizing, operational planning, and channel forecasting to help the team plan confidently and allocate resources effectively. You will bring rigor to evaluating incrementality, attribution, and efficiency to provide a defensible view of referral dollar impact.

Responsibilities

Partner with Referrals to define KPIs and measurement frameworks across campaigns and audiences
Size and scope referral campaigns in partnership with marketing, product and finance: translating acquisition goals into expected spend, volume, and ROI projections ahead of launch, and supporting operational planning for campaign execution
Build and maintain forecasting models for the referral channel, projecting member acquisition volume, cost, and downstream LTV under different spend scenarios, seasonality assumptions, and campaign configurations
Develop attribution approaches that reconcile platform-reported performance with observed member behavior, accounting for the complexity of dual-sided referral incentives and organic word-of-mouth overlap.
Design and analyze geo experiments, holdouts, and platform lift studies to quantify incremental lift and separate true impact from correlation
Build and maintain dashboards that give clear visibility into spend, CAC, funnel conversion, and downstream LTV by campaign
Collaborate with Data Engineering to improve tracking, data quality, and the pipelines behind spend, click, and conversion data
Translate complex analyses into clear, actionable recommendations for cross-functional leadership

Requirements

4+ years of experience in referral programs and in marketing, growth, or product analytics.
Experience in FinTech preferred.
Experience with marketing campaign planning and sizing: comfortable working from business goals backward to estimate required spend, expected member volumes, and unit economics, with an understanding of how campaigns are operationally structured and executed
Forecasting experience for a marketing or growth channel: building models that project forward-looking performance and communicating forecast uncertainty and scenario sensitivity to cross-functional stakeholders
Strong experience designing and evaluating incrementality tests: geo experiments, holdouts, and platform lift studies
Working knowledge of causal inference methods including experiment design, holdout analysis, and techniques for isolating organic from incentive driven behavior
Advanced SQL skills and proficiency in Python or R for analysis and modeling
Experience building dashboards (e.g., Looker, Tableau, or similar BI tools) that drive stakeholder decision-making
A strong understanding of attribution concepts and the challenges of measurement in a privacy-constrained, cross-device environment
The ability to communicate complex findings clearly to both technical and non-technical partners and influence decisions with data

Skills

Referral programs
Marketing analytics
Growth analytics
Product analytics
FinTech
Marketing campaign planning
Marketing campaign sizing
Forecasting
Incrementality testing
Causal inference
Experiment design
Holdout analysis
SQL
Python
R
Dashboard building
Attribution concepts
Communication

Location

Hybrid

Work Type

Full-time
Hybrid

Experience Level

4+ years of experience

Salary/Compensations

$133,000 - $185,000

Benefits

Bonus
Competitive equity package
Backup child, elder, and pet care
Subsidized commuter benefits
Comprehensive health, financial, and wellbeing benefits
Generous vacation policy
Company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 22 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to family planning reimbursement

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. 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.
Because if we don't—who will?
*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

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
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.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.