Lead Data Analyst, MyPay

We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead risk strategy for MyPay, Chime’s innovative product that provides members with early access to their earned wages. In this role, you will be the cornerstone of our MyPay risk function, balancing rapid product growth with responsible risk management and loss mitigation.

You will sit at the intersection of credit risk strategy and data science. You will own the underwriting, limit assignment, and loss forecasting strategies for MyPay, leveraging your deep technical expertise to build data-driven solutions. You will also directly manage, mentor, and grow a team of talented Data Analysts to execute on complex analyses and experimentation.

The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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.

• Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
• Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
• Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
• Cross-Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
• Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.

• Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
• Technical Expertise: * Expert-level proficiency in SQL for complex data extraction and manipulation.
• Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.
• Experimentation Mastery: Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
• Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
• Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.

#LI-EI1 #LI-Onsite

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. 

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.