Senior Data Scientist, Lending

San Francisco Usa, United StatesHybrid

Responsibilities

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.
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.
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.

Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.
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.
experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
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 A little about us

The base salary offered for this role and level of
experience will begin at $133,000 and up to $185,000.
Full-time employees are also eligible for a bonus, competitive equity package, and benefits.
The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.
💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
💰 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.

If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com .

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 Chime'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 Chime — 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.
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.
Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app.
Translate complex findings into executive-ready narratives that inspire action and alignment. To thrive in this role, you have
Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.