As a Senior Data Scientist at Chime, you'll tackle the challenge of creating advanced credit and lending models that not only shine a light on our members' financial wellbeing but also expand their credit possibilities in a fair and inclusive way. You'll have the opportunity to work in harmony with teams who are experts in legal, compliance, and risk considerations, ensuring that your innovations operate within the right regulatory and ethical boundaries. Join us to enhance financial services like MyPay, InstantLoan, and SpotMe. Be a member of a team that loves to work with data and is dedicated to transforming how our users manage their finances.

In Short

Develop and deploy AI/ML models for credit underwriting, risk assessment, and liquidity prediction, ensuring fair and compliant lending practices.
Leverage AI/ML for Credit Insights and advanced modeling approaches to enhance creditworthiness assessments and predict default risk.
Work closely with Legal, Compliance, and Risk teams to align models with regulatory frameworks, fair lending practices and model governance.
Optimize Real-Time Credit Decisioning and Improve the speed and accuracy of credit decisions by leveraging scalable AI/ML infrastructure.
Drive Strategic AI/ML Initiatives through collaboration with Product and Engineering to shape the credit product roadmap and define data-driven risk strategies.
Play a key role in shaping the credit team’s strategic direction and ensuring alignment with Chime’s broader business goals.
Champion a data-driven approach to decision-making across the organization.
Directly contribute to Chime’s success by delivering AI/ML solutions that improve both customer satisfaction and business outcomes.

Requirements

Strong proficiency in AI/ML techniques including classification, clustering, optimization, deep learning, and generative AI.
Expertise or exposure to risk assessment, underwriting models, and regulatory requirements related to credit (e.g., model governance, explainability, and fairness).
Experience working with large-scale transactional, financial, and behavioral data to develop predictive models for credit & liquidity risk.
Hands-on experience with AWS, SageMaker, Kafka, Airflow, Redis, Snowflake, and Spark, with a strong MLOps mindset.
Proficiency in Python, SQL, and distributed computing frameworks to build, train, and deploy scalable ML solutions.
Ability to collaborate cross-functionally with product, engineering, compliance, and risk teams to align AI/ML solutions with business and regulatory needs.
M.S. or Ph.D. in AI/ML, Computer Science, Statistics, or a related STEM field.
Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing.

Benefits

🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote.
💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit.
💰 Competitive salary based on experience.
✨ 401k match plus great medical, dental, vision, life, and disability benefits.
🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off.
🫂 1% of your time off to support local community organizations of your choice.
👟 Annual wellness stipend to use towards eligible wellness related expenses.
👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents.
👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress.