Lead Data Analyst, MyPay

Requirements Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA) Technical Expertise: 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 Experimentation Mastery: Deep hands‑on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders What the job involves We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead risk strategy for MyPay, Chime’s innovative product that provides members with early access to their earned wages. In this role, you will be the cornerstone of our MyPay risk function, balancing rapid product growth with responsible risk management and loss mitigation You will sit at the intersection of credit risk strategy and data science. You will own the underwriting, limit assignment, and loss forecasting strategies for MyPay, leveraging your deep technical expertise to build data-driven solutions. You will also directly manage, mentor, and grow a team of talented Data Analysts to execute on complex analyses and experimentation Drive Risk Strategy: Support the end‑to‑end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade‑offs Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning Cross‑Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program #J-18808-Ljbffr Chime