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. 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 — or