Data Analyst, Credit Risk

Chime; San Francisco (CA); On-site; USD 109,000 - 150,000; Full time

Benefits offered by this job

Hybrid work model

Health and wellbeing benefits

Generous vacation policy

Parental leave

Job summary

Chime is seeking a highly analytical and strategic Data Analyst of Credit Risk to support risk strategy for MyPay, a wage-advance product. You will own underwriting, limit assignment, and loss forecasting, balancing growth with responsible risk management.

You will lead a team of Data Analysts, design A/B tests, build dashboards, and partner with product, engineering, data science, and finance to align risk with business goals.

Qualifications

• 3+ years of credit risk, data science, or advanced analytics.
• Proficiency in SQL for data extraction and manipulation.
• Experience with A/B tests and statistical concepts.

Responsibilities

• Own underwriting, limit assignment, and loss forecasting for MyPay.
• Design, run, and analyze rigorous A/B tests to optimize risk and user experience.
• Develop dashboards and reporting to track portfolio performance and financial health.
• Mentor and grow a team of Data Analysts.

Skills

SQL

Python

A/B testing

Credit risk

Data analysis

Education

Master’s or PhD in quantitative field

Tools

Snowflake

dbt

Looker

Job description

About the Role

We are looking for a highly analytical and strategic Data Analyst of Credit Risk to support 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 $109,000.00 and up to $150,000.00. 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

• Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
• Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
• Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
• Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
• Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.

To thrive in this role, you have

• 3+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
• 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, with a strong grasp of underlying statistical concepts.
• Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
• Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.

Nice-to-Have

• Advanced degree (Master’s or PhD) in a quantitative field (Statistics, Mathematics, Economics, Computer Science, etc.).
• Prior experience working specifically with Earned Wage Access (EWA), cash advance, or short-term liquidity products.
• Familiarity with modern data stacks (e.g., Snowflake, dbt, Looker).

#LI-Onsite #LI-BE1

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 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.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• 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: [e-mail].

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