Lead Data Scientist, Credit Risk

📋 Description

• Own credit strategy for new-to-Chime applicants across the member lifecycle, starting with Instant
• Develop and evolve channel-specific credit policies (pre-approval / prescreen, direct mail, open
• Design and continuously iterate acquisition, loan amount / line assignment, pricing, line
• Leverage credit bureau (e.g., Experian), alternative, and internal Chime data to underwrite
• Lead test-and-learn: design and read out champion/challenger tests and controlled ramps, and
• Partner with Finance and Strategy to size new channels and forecast approval funnels, vintage

🎯 Requirements

• A Master's degree (required) in Statistics, Economics, Engineering, Math, Finance, Computer
• 7+ years of analytical or data science experience in Financial Services, preferably at a FinTech
• 4+ years of experience building and managing risk for unsecured credit products such as installment
• Hands-on experience with credit bureau data and prescreen, pre-approval, or direct mail credit
• Experience with credit furnishing, bankruptcies, delinquency, and write-off policies, and working
• Excellent SQL and Python skills, advanced Microsoft Excel skills, and experience working in Looker

🎁 Benefits

• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of
• Generous vacation policy and company-wide paid days off
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for
• Annual wellness stipend to use towards eligible wellness related expenses
• Access to family planning reimbursement
• 1% of your time off to support local community organizations of your choice