Senior Data Scientist, Lending

About the role We're looking for a Sr. Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across Chime's portfolio of liquidity and credit products — MyPay, Instant Loans, SpotMe, and Line of Credit. You'll turn data into the decisions that shape how millions of members access liquidity, build credit, and get value from Chime — while balancing growth, member trust, and risk/compliance performance. This role sits at the intersection of product, data, experimentation, and risk. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship. You'll connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth — not just product usage. In this role, you can expect to - Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance — shaping strategy, not just measuring it. You'll proactively surface opportunities and risks, framing the right questions before they're asked. - Build a rich experimentation and A/B testing program across MyPay, Instant Loans, and SpotMe — including metric creation, experiment design, power analysis, and results analysis. - Drive data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics, and running ad hoc analyses and causal studies. - Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation. - Own metrics across the lending funnel — adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, and Direct Deposit growth/retention — and use them to drive experiments. - Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app. - Define what "good" looks like — optimizing for long-term member and business value while balancing growth against loss and risk — and build dashboards to track portfolio and product health. - Translate complex findings into executive-ready narratives that inspire action and alignment. To thrive in this role, you have - 5–7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus). - Expert-level SQL ability and proficiency in Python.

- Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases. - Demonstrated experience acting as a trusted advisor to senior cross-functional partners — influencing decisions through both data and judgment. Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus. - A strong bias toward proactive problem discovery. You don't wait for tickets — you explore data, spot patterns, and bring forward opportunities that meaningfully change product direction. - Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e. g. , RICE, Eisenhower matrix). - Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus - Familiarity with building data pipelines using tools like dbt or Airflow. - Familiarity with AI coding tools (such as Claude Code and Cursor). #LI-Hybrid #LI-AM1 Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.