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About the Role
We are seeking a Data Analyst of Credit Risk to support risk strategy for MyPay, a product offering early wage access. This role involves balancing product growth with risk management and loss mitigation, sitting at the intersection of credit risk strategy and data science. You will own underwriting, limit assignment, and loss forecasting strategies, leveraging technical expertise to build data-driven solutions and manage a team of Data Analysts.
Responsibilities
- Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
- Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
- Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
- Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
- Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.
Requirements
- 3+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
- 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.
- Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
- Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
- Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.
Skills
- SQL
- Python
- Pandas
- NumPy
- Scikit-learn
- A/B testing
- Multivariate experiments
- Statistical concepts
- Consumer credit risk principles
- Loss forecasting
- Unit economics
- Data analysis
- Predictive modeling
- Risk strategy
- Data-driven solutions
- Snowflake
- dbt
- Looker
Location
- Onsite
Work Type
- Full-time
- Hybrid
Experience Level
- 3+ years
Education Level
- Advanced degree (Master’s or PhD) in a quantitative field (Statistics, Mathematics, Economics, Computer Science, etc.)
Salary/Compensations
- $109,000.00 - $150,000.00
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. We're a team of problem solvers, dreamers, and builders with one shared obsession: 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. 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.
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: accommodations@chime.com.