Senior Data Scientist, Lending

Chime; San Francisco (CA); Hybrid; USD 133,000 - 185,000; Full time

Benefits offered by this job

Four days in-office

Fridays from home

Health benefits

Job summary

Chime is seeking a Sr. Product Data Scientist to partner with Lending Product, Engineering, Risk, and Finance to impact liquidity and credit products like MyPay, Instant Loans, SpotMe, and Line of Credit.

You will own end-to-end funnels, design and analyze experiments, and translate questions into prioritized recommendations that balance growth, trust, and risk. You will build a robust experimentation program across lending products, enable PMs/Engineers with self-service analytics, and apply

Qualifications

• 5–7 years of hands-on data science or product data science experience in FinTech or lending.
• Expert SQL and Python proficiency required.
• Strong foundation in statistics, experimental design, and A/B testing.
• Ability to influence decisions with data and business judgment.
• Excellent data storytelling and visualization skills.

Responsibilities

• Own funnels end-to-end for lending products and drive experiments.
• Design, run, and analyze A/B tests; translate results into actions.
• Provide self-service analytics and ad hoc causal studies for PMs/Eng.
• Build dashboards to monitor portfolio health and business metrics.
• Develop data pipelines and instrumentation using dbt/Airflow.

Skills

SQL

Python

A/B testing

causal inference

time-series

data storytelling

Looker

Hex

dbt

Airflow

Claude Code

Cursor

Tools

Looker

Hex

dbt

Airflow

Claude Code

Cursor

Job description

About the role

We're looking for a Sr. Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across the company's portfolio of liquidity and credit products — MyPay, Instant Loans, SpotMe, and Line of Credit. You'll turn data into the decisions that shape how millions of members access liquidity, build credit, and get value from the company — while balancing growth, member trust, and risk/compliance performance.

This role sits at the intersection of product, data, experimentation, and risk. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship. You'll connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth — not just product usage.

In this role, you can expect to

• Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance — shaping strategy, not just measuring it. You'll proactively surface opportunities and risks, framing the right questions before they're asked.

• Build a rich experimentation and A/B testing program across MyPay, Instant Loans, and SpotMe — including metric creation, experiment design, power analysis, and results analysis.

• Drive data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics, and running ad hoc analyses and causal studies.

• Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.

• Own metrics across the lending funnel — adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, and Direct Deposit growth/retention — and use them to drive experiments.

• Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through the company's mobile app.

• Define what "good" looks like — optimizing for long-term member and business value while balancing growth against loss and risk — and build dashboards to track portfolio and product health.

• Translate complex findings into executive-ready narratives that inspire action and alignment.

To thrive in this role, you have

• 5–7 years of relevant hands‑on experience in product or business data science (FinTech, lending, or credit a plus).

• Expert‑level SQL ability and proficiency in Python.

• Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.

• Demonstrated experience acting as a trusted advisor to senior cross‑functional partners — influencing decisions through both data and judgment. Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.

• 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).

• Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus

• Familiarity with building data pipelines using tools like dbt or Airflow.

• Familiarity with AI coding tools (such as Claude Code and Cursor).

#LI-Hybrid #LI-AM1

Below is the base salary offered for this role and level of experience. Full‑time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice

$133,000—$185,000 USD

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—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?

*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.