Staff AI/ML Engineer, Cashflow Underwriting

Chime Enterprise; San Francisco (CA); On-site; USD 246,000 - 340,000; Full time

Benefits offered by this job

Hybrid work model

Wellbeing benefits

Parental leave and wellness stipend

Job summary

Chime’s Data Science & Machine Learning team seeks a Staff AI/ML Engineer for the Lending and Cashflow group to lead modeling behind cash flow underwriting and surface member insights for fair, accurate credit decisions. You will own projects end-to-end—from framing questions to production and metric movement—and set technical direction across underwriting with cash flow data.

You’ll build and deploy ML systems on rich fintech data, shaping models for MyPay, Instant Loans, and SpotMe, and

Qualifications

• Experience leading the design and deployment of deep learning models in production across multi-quarter initiatives.
• Strong fundamentals in classical ML, evaluation design, and selecting meaningful metrics.
• Hands-on end-to-end ML lifecycle: training, experimentation, deployment, monitoring.

Responsibilities

• Lead design, training, and deployment of DL and ML underwriting models using transaction and cash flow data.
• Take models from problem framing through production, with ongoing monitoring and iteration.
• Design feature pipelines, batch and real-time inference, monitoring, and retraining.
• Collaborate with Product, Engineering, Analytics, and Risk to solve business problems with ML.
• Link model performance to member outcomes and business metrics through experiments.
• Set roadmaps for Lending ML and raise bar via reviews and governance.
• Identify where AI/ML adds impact and where simpler solutions suffice.

Skills

Deep learning

ML engineering

Production deployment

Experimentation

Python

SQL

Tools

PyTorch

Spark

PySpark

SageMaker

Airflow

Kafka

Redis

Snowflake

AWS

Job description

Chime’s Data Science & Machine Learning team seeks a Staff AI/ML Engineer for the Lending and Cashflow group to lead modeling behind cash flow underwriting and surface member insights for fair, accurate credit decisions. You will own projects end-to-end—from framing questions to production and metric movement—and set technical direction across underwriting with cash flow data.

You’ll build and deploy ML systems on rich fintech data, shaping models for MyPay, Instant Loans, and SpotMe, and