Senior Data Scientist, Lending

ABOUT THE ROLE We are seeking a Senior Data Scientist, Lending to partner with our Lending Product, Engineering, Risk, and Finance teams at Chime, a financial technology company. This role will drive measurable impact across Chime's portfolio of liquidity and credit products, including MyPay, Instant Loans, SpotMe, and Line of Credit. The successful candidate will turn data into 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. WHAT YOU'LL DO As a Senior Data Scientist, Lending, you will operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance teams, shaping strategy and proactively surfacing opportunities and risks. Key responsibilities include: - Building a rich experimentation and A/B testing program across MyPay, Instant Loans, and SpotMe - Driving data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics - Applying advanced causal inference, time-series, and forecasting methods to lending questions - Owning metrics across the lending funnel and using them to drive experiments - Helping establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app - Defining what "good" looks like and building dashboards to track portfolio and product health - Translating complex findings into executive-ready narratives that inspire action and alignment WHAT YOU'LL NEED To thrive in this role, you will 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 acting as a trusted advisor to senior cross-functional partners - Strong business intuition and judgment, and experience applying prioritization frameworks to your work - Exceptional data storytelling and data visualization ability - Familiarity with building data pipelines using tools like dbt or Airflow - Familiarity with AI coding tools (such as Claude Code and Cursor) WHY REMOTE As a remote employee, you will have the flexibility to work from anywhere while contributing to Chime's mission to help everyday Americans unlock their financial progress. BENEFITS Chime offers a competitive salary, bonus, and equity package, as well as benefits that include a health plan, parental leave, education stipend, and life insurance.