About the roleWe'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.
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 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.
To thrive in this role, you have- 5-7 years of relevant hands-on 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. Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.
- A strong bias toward proactive problem discovery. You don't wait for tickets - you explore data, spot patterns, and bring forward opportunities that meaningfully change product direction.
- Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
- Exceptional data storytelling and data visualization ability. 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
What we offer for our full-time, regular employees- Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you're coming in regularly or are part of our fully remote program, you'll stay engaged with your work and teammates.
- 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.
- 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.
