Data Scientist, Growth Product

Chime; California (MO); Hybrid; USD 109,000 - 150,000; Full time

Benefits offered by this job

Health benefits

Generous vacation policy

Paid parental leave

Wellness stipend

Family planning reimbursement

Equity package

Job summary

Chime is seeking a Growth Product Scientist to partner with Growth Product and Engineering to drive measurable impact across the member journey, from acquisition to retention. You will design, analyze, and own end-to-end funnels, building a data-driven culture and delivering insights that shape how members discover, direct deposit, and derive value from Chime.

The role involves cross-functional collaboration with product, design, marketing, and data teams, designing experiments, building

Qualifications

• 3-5 years in product/analytics roles (FinTech a plus)
• Expert SQL and Python
• Experience designing/analyzing A/B tests
• Trusted advisor to senior partners
• Proactive problem discovery
• Experience applying prioritization frameworks (e.g., RICE)
• Strong communication to non-technical stakeholders
• Familiarity with building data pipelines (dbt/Airflow)
• Familiarity with AI coding tools (Claude Code, Cursor)

Responsibilities

• Partner with growth product, engineers, designers, and marketers on growth initiatives from acquisition to retention
• Design, run, and analyze A/B tests; create metrics; design experiments; prioritize high-leverage tests
• Provide self-serve analytics tools and ad hoc analyses for decision making
• Apply advanced statistical methods and forecasting; potential ML for segmentation
• Build dashboards and KPIs; maintain event tracking across journeys
• Translate analyses into narratives for product and exec audiences
• Collaborate with Data Engineering to improve data quality and trust

Skills

SQL

Python

A/B testing

Causal inference

Time-series

Machine learning

Dashboarding

Event tracking

dbt

Airflow

Executive storytelling

Tools

dbt

Airflow

Job description

About the role

We're looking for a Growth Product Scientist to partner with our Growth Product and Engineering teams to drive measurable impact across the member journey — from acquisition to conversion through long-term retention. You'll turn data into the decisions that shape how millions of members discover, direct deposit, and get value from Chime.

This role sits at the intersection of product, data, and experimentation. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship.

In this role, you will work closely with product managers, design, engineers, product & lifecycle marketing, and operational stakeholders to foster a data-driven product development culture, advise our product roadmaps, and build a deep understanding of member behavior.

The base salary offered for this role and level of experience will begin at $109,000 and go up to $150,000. 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

• Partner with Product Managers, Engineers, Designers, and Marketers on growth initiatives spanning acquisition, onboarding, activation, and retention
• Design, run, and analyze A/B tests to improve member product experiences, including metric creation, experiment design, power analysis, and analysis of experiment results.; develop frameworks to prioritize the highest-leverage experiments
• Drive data-informed decision making within Growth org by equipping PMs and engineers with self-service analytics tools, and conducting ad hoc analyses and causal studies for the team.
• Use advanced statistical methods for causal inference, as well as time-series and other forecasting techniques, to solve product questions for the team. Occasionally apply machine learning methods for problems such as customer segmentation.
• Build and maintain dashboards, KPIs, and self-serve tooling that give the team a clear view of funnel health
• Help the team establish high-quality eventing to allow the tracking of detailed user behaviors along customer journeys through Chime’s mobile app.
• Translate complex analyses into clear narratives and recommendations for product and executive audiences
• Collaborate with Data Engineering to improve the quality, accessibility, and trustworthiness of growth datasets

To thrive in this role, you have

• 3-5 years of relevant hands-on experience in product or business analytics roles (FinTech a plus).
• Expert-level SQL ability and proficiency in Python.
• Hands-on experience designing and analyzing A/B tests; solid grasp of statistical concepts (significance, power, sample size, common pitfalls)
• Demonstrated experience acting as a trusted advisor to senior cross-functional partners — influencing decisions through both data and judgment.
• 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).
• Strong written and verbal communication; able to translate technical concepts to non-technical stakeholders
• Familiarity with building data pipelines using tools like dbt or Airflow.
• Familiarity with AI coding tools (such as Claude Code and Cursor).
• Located within commuting distance from our downtown San Francisco headquarters, and able to work in-office with our team 4 days per week.

#LI-Hybrid #LI-AM1

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.