Senior Data Scientist, Lending
About the role
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.
In this role, you can expect to
- 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
