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About the Role

Chime's Data Science & Machine Learning team builds models, services, and platforms that help millions manage their financial lives. The Staff AI/ML Engineer on the Lending and Cashflow team will lead modeling for cash flow underwriting and surface member insights, using transaction and deposit data for fair, accurate credit decisions for individuals often missed by traditional scores. This role involves building and deploying ML systems on rich financial data to inform credit decisions for products like MyPay, Instant Loans, and SpotMe. You will own problems end-to-end, from question framing to production deployment, and set the technical direction for cash flow underwriting.

Responsibilities

Lead the design, training, and deployment of deep learning and classical ML underwriting models for credit decisions, including approval, line assignment, and loss forecasting.
Manage models from problem framing through production, including training, evaluation, deployment, monitoring, and iteration, ensuring accountability for live performance.
Design and enhance surrounding systems, including feature pipelines, batch and real-time inference, monitoring, and retraining.
Collaborate with Product, Engineering, Analytics, and Risk teams to translate business problems into ML solutions and ensure appropriate implementation.
Connect model performance to member outcomes and business metrics, utilizing experimentation to demonstrate impact.
Define the technical roadmap for Lending ML and elevate team standards through design reviews, mentorship, and shared best practices for model development, validation, and governance.
Identify opportunities where AI/ML can deliver measurable member impact, and discern when simpler solutions are more effective.

Requirements

Proven track record of leading the design and deployment of deep learning models in production, including multi-quarter, cross-team initiatives.
Solid understanding of architecture choices, training dynamics, and evaluation, with the judgment for effective model design.
Strong machine learning fundamentals, including classical modeling, evaluation design, and metric selection.
Hands-on experience across the end-to-end ML lifecycle: training, experimentation, optimization, deployment, and monitoring.
Comfort working with real-world data challenges such as label definition, leakage, class imbalance, and train/serve skew.
Strong proficiency in Python and SQL.
Deep learning framework experience (e.g., PyTorch).
Distributed compute experience (e.g., Spark or PySpark).
Working knowledge of modern ML infrastructure (AWS, SageMaker, Airflow, Kafka, Redis, Snowflake).
An MLOps mindset for maintaining healthy production systems.
Ability to operate independently in ambiguous environments.
Skill in influencing technical direction beyond your immediate team.
Capacity to clearly explain model decisions to diverse stakeholders, including engineers, risk partners, and senior leaders.

Skills

Python
SQL
PyTorch
Spark
PySpark
AWS
SageMaker
Airflow
Kafka
Redis
Snowflake
MLOps
Deep Learning
Machine Learning
Model Deployment
Model Training
Model Evaluation
Model Monitoring
Feature Engineering
Data Analysis
Credit Risk Modeling
Cash Flow Analysis
Transformer Models

Location

Onsite
Remote

Work Type

Onsite
Remote
Hybrid

Experience Level

Staff

Salary/Compensations

$246,000—$340,000 USD

Benefits

Bonus(es)
Competitive equity
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 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 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 are a team of problem solvers, dreamers, and builders with a shared obsession for our members. We work tirelessly to deliver the best possible experience, bringing an owner's mindset to our work. We believe in being bold, dreaming big, and taking risks, while working together, embracing diverse perspectives, and giving honest feedback. Our culture remains entrepreneurial, encouraging every Chimer to be a steward of our mission to help everyday Americans unlock their financial progress. We hold ourselves to the highest standards of integrity in everything we do, guided by our values 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.