Manager, Data Science & AI/ML - Credit Risk & Lending

About the Role

Chime’s Data Science and Machine Learning team is building models, services, and platforms that transform how millions of users manage and grow their financial lives. We are looking for a hands-on Data Science Manager with deep technical expertise in machine learning and data science, particularly within the credit and lending domain. Beyond technical proficiency, we value creativity, user empathy, and strong collaboration.

As a Data Science Manager within our Financial Security products team, you will lead a talented group of data scientists and machine learning engineers to develop innovative credit and lending models. These models will provide critical insights into Chime members’ financial health, broaden access to credit, and ensure financial inclusivity. You will play a pivotal role in creating innovative, ground-up products while driving the development of cutting-edge risk assessment models and lending insights solutions. If you are passionate about lending, credit, underwriting, and building models to predict user behavior, this role could be a great fit for you.

The base salary offered for this role and level of experience will begin at $198,990.00 and up to $281,900.00. 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.

What You'll Do

• Lead cross-functional initiatives to deliver impactful machine learning solutions that enhance member experiences, with a focus on credit and lending products.
• Manage and inspire a talented team, driving the development of innovative credit insights and risk assessment solutions that impact millions of customers.
• Oversee the end-to-end development and deployment of advanced machine learning models to improve the accuracy, fairness, and inclusivity of credit assessments.
• Collaborate with Legal and compliance in regards to fair lending practices and and model governance
• Play a key role in shaping the credit team’s strategic direction and ensuring alignment with Chime’s broader business goals.
• Leverage transactional and financial data to improve access to capital for loan applicants and enhance member financial security.
• Champion a data-driven approach to decision-making across the organization.
• Make critical long-term decisions regarding machine learning processes and best practices.
• Collaborate with product managers, engineering, and other stakeholders to shape the product roadmap and define project goals.
• Directly contribute to Chime’s success by delivering data science solutions that improve both customer satisfaction and business outcomes.

What We're Looking For

• 7+ years of industry experience developing machine learning models for credit risk products from inception to production, with a proven ability to tailor solutions to real-world business challenges in a cross-functional environment.
• 5+ years of managerial experience in data science and machine learning, with a track record of leading teams to deliver impactful solutions.
• Strong expertise in credit and lending risk assessment, with experience building and deploying models that meet regulatory requirements with respect to model governance and fair lending.
• Deep understanding of modern AI/ML techniques, including classification, clustering, optimization, deep learning, and natural language processing.
• Excellent product intuition and a passion for working iteratively in a fast-paced environment.
• M.S. or Ph.D. in Machine Learning or a related STEM field, with hands-on experience building production ML pipelines, from development to deployment, at scale.
• Proficiency in Python and intermediate to advanced knowledge of SQL, with the ability to wrangle data from diverse sources.
• Experience with technologies such as AWS, Kafka, Airflow, Redis, MySQL, Postgres, Spark, Snowflake, and Looker.
• Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing.

A little about us

At Chime, we believe that everyone can achieve financial progress. We’re passionate about developing solutions and services to empower people to succeed. Every day, we start with empathy for our members and stay motivated by our desire to support them in ways that make a meaningful difference. 

We created Chime—a financial technology company, not a bank*-- founded on the premise that basic banking services should be helpful, transparent, and fair. Chime helps unlock the access and ability our members need to overcome the systemic barriers that block them from moving forward. By providing members with access to liquidity, rewards, and credit building, our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions.

So far, we’re well-loved by our members and proud to have helped millions of people unlock financial progress, whether they started a savings account, bought their first car or home, opened a business, or went to college. Every day, we’re inspired by our members’ dreams and successes, big and small. 

We’re uniting everyday people to unlock their financial progress—will you join us? 

*Chime partners with The Bancorp Bank and Stride Bank, N.A., Members FDIC, that power the bank accounts used by Chime Members.

What we offer

• 🏢 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 UrbanSitter and Kinside for 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 Take Care of Yourself Days 
• 🫂 1% of your time off to support local community organizations of your choice
• 🧠 Mental health support with therapy and coaching through Modern Health
• 👶 16 weeks of paid parental leave for all parents and an additional 6-8 weeks for birthing parents
• 👪 Access to Maven, a family planning tool, with up to $10k in 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

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

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