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.
The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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- 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.
- 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.
#LI-EI1 #LI-Onsite
At Chime, we believe that 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. 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 for our full-time, regular employees- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
- 💰 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.
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: [email protected].
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Skills Required
- 7+ years of experience in credit risk, data science, or advanced analytics
- 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
- Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments
- Solid understanding of consumer credit risk principles, loss forecasting, and unit economics
- Experience managing, mentoring, and growing a team of Data Analysts
- Experience within consumer lending, fintech, or earned wage access (preferred)
- Ability to communicate complex data and technical concepts to executive stakeholders
What the Team is Saying
Chime Compensation & Benefits Highlights
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Healthcare Strength — Medical, dental, vision, and mental-health support are presented as core parts of the package. Materials emphasize comprehensive coverage tied to physical and emotional well-being.
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Parental & Family Support — Parental leave is described as generous for birthing and non-birthing parents. Family-planning support includes fertility and adoption assistance through dedicated programs.
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Leave & Time Off Breadth — Time away features flexible PTO and periodic company-wide days off. Volunteer time and well-being days are also highlighted as part of the time-off mix.
Chime Insights
What We Do
Chime was created because we believe everyone can Unlock Financial Progress, and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful, transparent, and easy. Our suite of tools and platforms give our members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools, we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees, providing members the chance to receive their pay up to 2 days early* with direct deposit, build credit history, and develop financial literacy to hit their goals—among many other things. Since 2012, we’ve grown our team to more than 1500 Chimers across 3 offices. But more than that, we’ve expanded the products and services we offer to our members based on their feedback. And in doing so, we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Why Work With Us
We’ve crafted a culture that’s grounded in our core values and always focused on our members. We’re civic-minded innovators who take action to bring people together to accelerate equity and prosperity. We embrace our humanity, treat each other with respect and kindness, and are driven to make an impact on our members and communities far and wide.
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Chime Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We offer a hybrid work policy that combines in-office days with trips to team and company-wide events, depending on your location, to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or working remotely
