Lead Data Analyst, MyPay

United States Digital Space LLC; Chicago (IL); On-site; USD 152,000 - 210,000; Full time

Benefits offered by this job

Four days in-office per week

Fridays from home

Wellbeing benefits

Job summary

United States Digital Space LLC is seeking a Lead Data Analyst of Credit Risk for its MyPay product. You will own underwriting, limits, and loss forecasting, while mentoring a team of Data Analysts.

The role sits at the intersection of risk strategy and data science, combining quantitative rigor with strategic influence. You will lead experiments, build predictive models, and partner across Product, Engineering, and Finance to align risk targets with business growth.

Qualifications

• 7+ years of experience in credit risk, data science, or advanced analytics.
• Expert-level SQL for complex data extraction and manipulation.
• Strong Python (Pandas, NumPy, Scikit-learn) for data analysis and modeling.
• Hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments.
• Solid understanding of consumer credit risk principles and loss forecasting.
• Excellent ability to communicate complex data insights to executives.

Responsibilities

• Drive Risk Strategy: oversee underwriting policies, dynamic limit assignments, and repayment strategies.
• Lead Experimentation: design, execute, and analyze rigorous tests to optimize limits and risk/reward.
• Leverage Data Science: build models to identify risk signals and automate risk decisions.
• Cross-Functional Collaboration: work with Product, Engineering, Data Science, and Finance.
• Monitor & Report: develop dashboards tracking portfolio performance and loss metrics.

Skills

Analytical thinking

Strategic mindset

Communication

Tools

SQL

Python

A/B testing

Job description

About the Role

We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead risk strategy for MyPay, the company’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.

To thrive in this role, you have

• 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

A little about us

At the company, we believe that everyone can achieve financial progress. We created the company-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-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?

*the company 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