Senior Data Scientist, Lending at Chime · LumiJobs · LumiJobs

Responsibilities

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.
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.
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.
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.
Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.
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.
Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime s mobile app.
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.
Translate complex findings into executive-ready narratives that inspire action and alignment.
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Senior Data Scientist, Lending

Responsibilities

Benefits

Company

Chime

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