Lead Data Analyst, MyPay

Chime; San Francisco (CA); Hybrid; USD 152,000 - 210,000; Full time

Benefits offered by this job

Competitive salary and bonus structure

Equity package

Comprehensive medical, dental, and vision benefits

401(k) plan with company match

Paid parental leave

Generous vacation policy

Family-planning benefits

Work flexibility with childcare support

Job summary

Chime is looking for a highly analytical Lead Data Analyst of Credit Risk to lead risk strategies for MyPay, their innovative product allowing early access to earned wages. The ideal candidate will manage a team of Data Analysts and leverage advanced analytics to optimize risk management.

The role offers a base salary starting at $152,000 and may grow to $210,000, alongside bonuses and comprehensive benefits including medical, dental, and equity package.

Qualifications

• 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 for data analysis.

Responsibilities

• Support the end‑to‑end credit risk lifecycle for MyPay.
• Design, execute, and analyze rigorous A/B tests.
• Utilize advanced statistical modeling to identify new risk signals.

Skills

Credit risk analysis

Data science

SQL

Python

Statistical modeling

A/B testing

Job description

Lead Data Analyst of Credit Risk – MyPay

We are looking for a highly analytical and strategic Lead Data Analyst 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 balance rapid product growth with responsible risk management and loss mitigation, own underwriting, limit assignment, and loss forecasting strategies, and manage a team of Data Analysts.

The base salary offered for this role begins at $152,000 and may grow to $210,000, plus a bonus, competitive equity package, and benefits.

Responsibilities

• Support the end‑to‑end credit risk lifecycle for MyPay, 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 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.

Qualifications

• 7+ years of experience in credit risk, data science, or advanced analytics, preferably in 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 strong statistical understanding.
• Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
• Exceptional ability to translate complex data and technical concepts into actionable strategies for executive stakeholders.

Benefits

• Competitive salary and bonus structure.
• Equity package.
• Comprehensive medical, dental, vision, life, and disability benefits.
• 401(k) plan with company match.
• Paid parental leave (up to 24 weeks for birthing parents, 12 weeks for non‑birthing parents).
• Generous vacation and company‑wide paid days off.
• Family‑planning benefits, including reimbursement for fertility treatments.
• In‑office and remote work flexibility with support for childcare and commuter benefits.

Equal Opportunity Employer

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, and ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local 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.