Lead Data Scientist (Credit Risk)

Join Chime, a leading fintech company, as a Lead Data Scientist specializing in Credit Risk. In this role, you will develop and manage credit strategies, policies, and models to support the growth of Chime's lending products. You will collaborate with cross-functional teams, mentor other data scientists, and contribute to Chime's mission of providing financial inclusion for all.

- Lead the development and evolution of credit policies and strategies to manage credit risk throughout the member lifecycle, focusing on new-to-Chime applicants. - Collaborate with cross-functional teams to design and implement risk models and strategies in production, ensuring accurate adverse action reasons. - Mentor and work collaboratively with other credit risk data scientists to develop strategies, share knowledge, and raise the team's analytical bar.

- Excellent SQL and Python skills, advanced Microsoft Excel skills, and experience working in Looker or a similar business intelligence tool - 4+ years of experience building and managing risk for unsecured credit products such as installment loans, lines of credit, or credit cards; acquisition / underwriting experience strongly preferred - Hands-on experience with credit bureau data and prescreen, pre-approval, or direct mail credit programs - A Master's degree (required) in Statistics, Economics, Engineering, Math, Finance, Computer Science, or another quantitative discipline; a PhD is a plus - A strong passion for Chime's mission and solving challenging analytical problems for the business - A strong grounding in statistics and machine learning for credit, including scorecards / gradient-boosted models, swap-set analysis, vintage analysis, and experiment design - Hands-on, detail-oriented leader with exceptional communication skills who can explain a trade-off to executives and defend the math behind it - Nice to have: subprime or near-prime lending, affiliate or marketplace lending, credit card line management, or cash-flow / alternative-data underwriting experience - Ability to work in a fast-paced, complex environment and meet ambitious deadlines while ensuring flawless completion - 7+ years of analytical or data science experience in Financial Services, preferably at a FinTech company - Experience with credit furnishing, bankruptcies, delinquency, and write-off policies, and working knowledge of consumer lending regulation (FCRA, ECOA / Reg B, fair lending, adverse action)