Staff AI/ML Engineer - Lending & Cash-Flow Underwriting

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

Benefits offered by this job

Health benefits

Wellbeing program

Parental leave

Wellness stipend

Job summary

Chime is hiring a Staff AI/ML Engineer for the Lending and Cashflow team to own cash flow underwriting models. You will deploy ML systems on rich transactional data to drive credit decisions for products like MyPay and SpotMe, from framing to production and governance.

You will lead end-to-end ML lifecycle, design feature pipelines, and collaborate with Risk, Product, and Engineering to translate business problems into ML solutions with measurable impact.

Qualifications

• Track record leading the design and deployment of deep learning models in production.
• Solid machine learning fundamentals and evaluation design.
• Hands-on end-to-end ML lifecycle experience: training, experimentation, deployment, monitoring.
• Comfort with messy real-world data, including label definition and skew.
• Strong Python and SQL skills with DL frameworks such as PyTorch and distributed compute like Spark/PySpark.

Responsibilities

• Lead design, training, and deployment of DL and classical ML underwriting models using transaction and cash flow data.
• Take models from problem framing to 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 translate problems into ML solutions.
• Link model performance to member outcomes and business metrics; use experiments to prove impact.
• Set the technical roadmap for Lending ML and raise the bar through reviews and governance.

Skills

Python

SQL

PyTorch

Spark/PySpark

AWS

SageMaker

Airflow

Kafka

Redis

Snowflake

MLOps

Leadership

Tools

PyTorch

Spark/PySpark

AWS

SageMaker

Airflow

Kafka

Redis

Snowflake

Job description

Chime is hiring a Staff AI/ML Engineer for the Lending and Cashflow team to own cash flow underwriting models. You will deploy ML systems on rich transactional data to drive credit decisions for products like MyPay and SpotMe, from framing to production and governance.

You will lead end-to-end ML lifecycle, design feature pipelines, and collaborate with Risk, Product, and Engineering to translate business problems into ML solutions with measurable impact.