Senior Credit Risk Data Scientist – Growth & Strategy

Chime Financial, Inc; Chicago (IL); Hybrid; USD 152,000 - 210,000; Full time

Job summary

Chime is seeking an experienced Credit Risk Data Scientist to lead the credit strategy for new-to-Chime applicants and future unsecured products. You will partner with product, data engineering, ML, and analytics teams to design risk policies and monitor credit risk across the member lifecycle.

You will build and evolve credit models and policies, leverage bureau and internal data, and guide decision platforms while collaborating with Compliance and Fraud teams to govern policies.

Qualifications

• Master's degree required in a quantitative field (stated).
• 7+ years analytical/data science experience in Financial Services (FinTech preferred).
• 4+ years building/managing risk for unsecured credit products (installment loans, lines, cards).
• Experience with credit bureau data and prescreen/pre-approval programs.
• Knowledge of consumer lending regulation (FCRA, ECOA/Reg B, fair lending).
• Strong SQL and Python skills; Excel; BI tools (Looker).
• Expertise in credit risk models (scorecards, ML) and experiment design.

Responsibilities

• Own credit strategy for new-to-Chime applicants across the lifecycle.
• Develop channel-specific credit policies to balance growth and risk.
• Design acquisition, loan amount/line assignment, pricing, and collections strategies.
• Underwrite applicants using Experian data and internal data; build risk models with DSML partnership.
• Lead test-and-learn initiatives; quantify trade-offs in approvals and losses.
• Collaborate with Finance/Strategy to size channels and forecast funnels.

Skills

SQL

Python

Excel

Looker

Education

Master's degree (Statistics, Economics, Engineering, Math, Finance, CS)

Tools

Looker

Job description

Chime is seeking an experienced Credit Risk Data Scientist to lead the credit strategy for new-to-Chime applicants and future unsecured products. You will partner with product, data engineering, ML, and analytics teams to design risk policies and monitor credit risk across the member lifecycle.

You will build and evolve credit models and policies, leverage bureau and internal data, and guide decision platforms while collaborating with Compliance and Fraud teams to govern policies.