Senior Data Scientist

About the Role

As a Senior Data Scientist at Chime, you'll tackle the challenge of creating advanced credit and lending models that not only shine a light on our members' financial wellbeing but also expand their credit possibilities in a fair and inclusive way. You'll have the opportunity to work in harmony with teams who are experts in legal, compliance, and risk considerations, ensuring that your innovations operate within the right regulatory and ethical boundaries. Join us to enhance financial services like MyPay, InstantLoan, and SpotMe. Be a member of a team that loves to work with data and is dedicated to transforming how our users manage their finances.

The base salary offered for this role and level of experience will begin at $176,490 and up to $245,100. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

In this role, you can expect to

• Develop and deploy AI/ML models for credit underwriting, risk assessment, and liquidity prediction, ensuring fair and compliant lending practices.
• Leverage AI/ML for Credit Insights and advanced modeling approaches to enhance creditworthiness assessments and predict default risk.
• Work closely with Legal, Compliance, and Risk teams to align models with regulatory frameworks, fair lending practices and model governance.
• Optimize Real-Time Credit Decisioning and Improve the speed and accuracy of credit decisions by leveraging scalable AI/ML infrastructure.
• Drive Strategic AI/ML Initiatives through collaboration with Product and Engineering  to shape the credit product roadmap and define data-driven risk strategies.
• Play a key role in shaping the credit team’s strategic direction and ensuring alignment with Chime’s broader business goals.
• Champion a data-driven approach to decision-making across the organization.
• Directly contribute to Chime’s success by delivering AI/ML solutions that improve both customer satisfaction and business outcomes.

To thrive in this role, you have

• Strong proficiency in AI/ML techniques including classification, clustering, optimization, deep learning, and generative AI.
• Expertise or exposure to risk assessment, underwriting models, and regulatory requirements related to credit (e.g., model governance, explainability, and fairness).
• Experience working with large-scale transactional, financial, and behavioral data to develop predictive models for credit & liquidity risk.
• Hands-on experience with AWS, SageMaker, Kafka, Airflow, Redis, Snowflake, and Spark, with a strong MLOps mindset.
• Proficiency in Python, SQL, and distributed computing frameworks to build, train, and deploy scalable ML solutions.
• Ability to collaborate cross-functionally with product, engineering, compliance, and risk teams to align AI/ML solutions with business and regulatory needs.
• M.S. or Ph.D. in AI/ML, Computer Science, Statistics, or a related STEM field.
• Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing.

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that basic banking services should be helpful, transparent, 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.

What we offer

• 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
• 💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 💰 Competitive salary based on experience
• ✨ 401k match plus great medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off 
• 🫂 1% of your time off to support local community organizations of your choice
• 👟 Annual wellness stipend to use towards eligible wellness related expenses
• 👶 Up to 24 weeks of paid parental leave for birthing parents and 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.
• 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know. 

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

#LI-Hybrid #LI-GC1