Remote opportunity at
ChimeSenior Data Scientist, Lending
Chime is seeking a Senior Product Data Scientist to collaborate with lending, product, engineering, risk, and finance groups. In this position, you will guide strategies for…
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About This Role
Chime is seeking a Senior Product Data Scientist to collaborate with lending, product, engineering, risk, and finance groups. In this position, you will guide strategies for liquidity and credit offerings like SpotMe, MyPay, Instant Loans, and Line of Credit. The role focuses on turning data into actionable insights, directing end-to-end funnels, building testing programs, and balancing growth with compliance and risk performance. This opportunity is ideal for an experienced data…
Job Description
Chime is seeking a Senior Product Data Scientist to collaborate with lending, product, engineering, risk, and finance groups. In this position, you will guide strategies for liquidity and credit offerings like SpotMe, MyPay, Instant Loans, and Line of Credit. The role focuses on turning data into actionable insights, directing end-to-end funnels, building testing programs, and balancing growth with compliance and risk performance.
This opportunity is ideal for an experienced data professional who enjoys acting as an independent strategic partner. You will connect user liquidity results directly to core business metrics like losses, revenue, and Direct Deposit growth. Chime operates as a financial technology company that aims to make core banking services helpful, easy, and free for everyday consumers.
Successful candidates will translate ambiguous business questions into clear recommendations, provide self-service analytics to product managers and engineers, and deliver executive-ready presentations. You will handle tasks ranging from A/B testing and causal inference to tracking mobile app behavior events and monitoring overall portfolio health.
Responsibilities
- Partner independently with lending product, engineering, risk, and finance teams to shape strategy and surface proactive opportunities
- Design, build, and execute a comprehensive A/B testing and experimentation program across liquidity offerings
- Empower product managers and engineers through self-service analytics, causal studies, and ad hoc analysis
- Apply time-series forecasting, advanced causal inference, and occasional machine learning methods to track user retention, adoption, origination pacing, and repayment
- Manage lending funnel metrics spanning conversion, adoption, originations, revenue, delinquency, losses, and Direct Deposit growth
- Establish reliable event tracking for user journeys inside the mobile application and construct dashboards for portfolio health
- Communicate complex findings through executive-ready narratives that drive team alignment
Requirements
- Possess five to seven years of relevant, hands-on experience in business or product data science
- Demonstrate expert-level SQL capability along with proficiency in Python
- Apply broad knowledge of experimental design, applied statistics, and A/B test analysis
- Show documented experience utilizing machine learning techniques for business use cases
- Act as a trusted advisor to senior cross-functional colleagues by influencing decisions with data and sound judgment
- Maintain a proactive problem-discovery approach to explore data and identify patterns independently
Qualifications
- Prior background in lending, credit, or FinTech environments
- Familiarity with tools such as Hex and Looker
- Experience constructing data pipelines via Airflow or dbt
- Knowledge of AI coding tools such as Cursor and Claude Code
Core Skills
Benefits
- Comprehensive health, financial, and wellbeing coverage
- Generous vacation policy and paid company holidays
- Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents
- Access to family planning reimbursement
- Annual wellness stipend for eligible expenses
- Allowance of 1% of paid time off to support local community organizations
- Subsidized commuter benefits and backup elder, child, and pet care
Frequently Asked Questions
Is this a remote position?
Yes, the role is listed as remote, though Chime also maintains an in-office work policy requiring four days a week in the office and Fridays from home for employees located near an office.
What is the salary range for this role?
The base salary offered ranges from $133,000 to $185,000 USD, with potential eligibility for bonuses, competitive equity, and benefits depending on experience and location.
What level of experience is required?
Candidates must have five to seven years of relevant, hands-on experience in product or business data science.
What type of employment is this?
The posting indicates this is a full-time position.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.