Lead Data Scientist, Credit Risk

About the Role

We are looking for an experienced Credit Risk Data Scientist who is data-driven, has strong analytical and technical skills, and operates with a high degree of ownership. In this role, you will lead the credit strategy that lets Chime lend to people before they have a relationship with us — starting with Instant Loans for new members (top of funnel) and expanding to future unsecured credit products such as credit cards.

You'll develop risk policies and strategies to manage credit risk throughout the member lifecycle, and you'll work as a trusted cross-functional partner with product, growth, data engineering, machine learning, and analytics teams, interacting with business stakeholders across many departments.

In this role, you can expect to

• Own credit strategy for new-to-Chime applicants across the member lifecycle, starting with Instant Loans for prospects (top of funnel) and extending to future unsecured products such as credit cards and/or lines of credit

• Develop and evolve channel-specific credit policies (pre-approval / prescreen, direct mail, open application, referrals, and affiliates) that support growth while balancing risk, unit economics, and member experience

• Design and continuously iterate acquisition, loan amount / line assignment, pricing, line management, repayment, and collections strategies

• Leverage credit bureau (e.g., Experian), alternative, and internal Chime data to underwrite applicants with no prior Chime relationship;

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