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; build credit models and policies hands-on and in partnership with our DSML team
• Lead test-and-learn: design and read out champion/challenger tests and controlled ramps, and quantify trade-offs among approvals, losses, direct deposit conversion, and lifetime value
• Partner with Finance and Strategy to size new channels and forecast approval funnels, vintage losses, and unit economics; set launch criteria, guardrails, and expansion triggers
• Collaborate with data teams to build data infrastructure and early-read monitoring and dashboards (first payment default, delinquency, vintage and roll rates) that help senior management understand credit risk trends and exposures
• Work with cross-functional teams including DSML, Product, Design, Engineering, and Decision Platform to test and implement risk models and strategies in production, including accurate adverse action reasons
• Partner with Compliance, Legal, Fair Lending, Model Risk Management, Fraud, and our bank partners to document, approve, and govern credit policies
• Mentor and work collaboratively with other credit risk data scientists to develop strategies, share knowledge, and raise the team's analytical bar

To thrive in this role, you have

• A Master's degree (required) in Statistics, Economics, Engineering, Math, Finance, Computer Science, or another quantitative discipline; a PhD is a plus
• 7+ years of analytical or data science experience in Financial Services, preferably at a FinTech company
• 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
• 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)
• Excellent SQL and Python skills, advanced Microsoft Excel skills, and experience working in Looker or a similar business intelligence tool
• 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
• Ability to work in a fast-paced, complex environment and meet ambitious deadlines while ensuring flawless completion
• A strong passion for Chime's mission and solving challenging analytical problems for the business
• Nice to have: subprime or near-prime lending, affiliate or marketplace lending, credit card line management, or cash-flow / alternative-data underwriting experience

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About the role 

We are hiring for a Senior Associate on Chime’s Compliance Assurance & Testing team. You will work in a fast paced environment and play an essential role in ensuring Chime remains compliant with regulatory requirements, internal policies, and bank partner expectations. In this role you will perform strategic end-to-end compliance testing of Chime’s innovative products and services to identify risks and control gaps. This will involve partnership with internal teams, as well as collaboration with our issuing bank partner’s legal and compliance teams. This role will report to the Head of Compliance Assurance and Testing.

In this role, you can expect to

• Lead the end-to-end compliance testing process: from strategically scoping the review, partnering with cross functional teams to obtain necessary documentation, performing robust testing and gathering/reporting testing results to senior management.
• Proactively assist the business by identifying solutions to complex issues/findings and performing follow-up to ensure remediation is successful. 
• Partner with cross-functional teams to perform compliance testing and/or to support bank partner testing oversight.  
• Play a key role in creating and designing automated internal compliance monitoring and testing to identify trends, issues, and key performance and risk indicators.
• Maintain current knowledge of applicable laws and regulations and understand regulatory impact of changes to product/service offerings.

To thrive in this role, you have

• Have 5-8 years of work experience, including: regulatory compliance testing in Financial Services, Risk Consulting or Fintech companies.
• Knowledge of laws, regulations, and rules governing consumer financial protection, banking, payment networks, money transmission, and consumer lending.
• Strong problem-solving skills are essential and demonstrated ability to take initiative and work independently.
• Work well with ambiguity and multiple priorities while balancing the interests of multiple stakeholders.
• Analytical skills, such as SQL or data visualization, are a plus.

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About the Role

The Sr. Associate, Compliance Advisory partners with Complaints, Product, Operations, and other business teams to provide compliance guidance as a second line of defense. The role supports consumer complaint oversight, new and existing product operations advisory, agent readiness, member- and agent-facing communications, and process improvement while identifying consumer and regulatory risks and helping drive issues through remediation and implementation.

The base salary offered for this role and level of experience will begin at $101,000.00 and up to $140,000.00. 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

Complaints Management

• Advise the first line of defense on complaint-management requirements, regulatory expectations, and industry best practices.
• Review complaint-handling processes, procedures, controls, and documentation; identify gaps and recommend remediation, maintaining ownership of the issue lifecycle from informing the business of identified gaps and recommendations through completed remediation and implementation.
• Recommend and implement process improvements that balance regulatory requirements with innovative, member-friendly solutions.
• Demonstrate knowledge of and apply consumer financial regulations—including Regulations Z, E, and DD, UDAAP, NACHA, VISA Operating Standards, and applicable state requirements—through compliance advisory work and day-to-day responsibilities.
• Support operational teams in investigating and resolving consumer complaints while analyzing trends and potential member impact.
• Perform oversight and monitoring to promote timely, accurate, and appropriate complaint resolution.
• Develop and refine complaint procedures, guidance, training materials, and educational resources.
• Assist with responses to sensitive and regulatory complaints and inquiries.
• Ensure complaint-related work, processes, procedures, and guidance align with all applicable requirements of the Complaints Policy.
• Support regulatory, bank partner, and internal audit readiness by collecting, organizing, and validating requested documentation and helping ensure complaint processes and records are complete and current.
• Review complaint dashboards and complaint trends to identify emerging risks, recurring issues, and opportunities for improvement.
• Present compliance findings, complaint trends, risk assessments, recommendations, training, and process updates to business partners and relevant business stakeholders when needed.
• Prepare executive-level reports and presentations on compliance findings data, trends, risks, and recommendations.

Compliance Advisory

• Provide compliance advisory support for operations supporting new products and changes to existing products, including identifying compliance considerations and helping teams address related risks and requirements.
• Translate complex compliance requirements and data-driven insights into clear, practical, and actionable guidance for business partners and member-facing teams.
• Support agent readiness for new products and changes to existing products by partnering on agent-facing communications, member-facing communications, help center articles, training, and other agent-ready content.
• Partner with Compliance, Legal, Quality Control, Quality Assurance, bank partners, and business teams to mitigate compliance risk.
• Demonstrate strong proficiency in AI tooling and proactively identify responsible AI-enabled tools and workflows that help the Compliance Advisory team work more efficiently and effectively.
• Use AI tooling to accelerate data analysis, complaint-trend identification, monitoring, oversight, research, documentation, reporting, and preparation of business-partner guidance while maintaining appropriate human review and compliance with confidentiality requirements.
• Leverage AI-enabled insights to help business partners make faster, better-informed decisions and improve outcomes for members.
• Support quality assurance and quality control business partners as a second line of defense by helping ensure the program is regulatory sound, appropriately designed, and operating effectively for its intended purpose.
• Serve as a knowledgeable Compliance presence in meetings with bank partners and business partners by contributing to discussions, answering questions, and identifying compliance considerations.

Core Competencies

• Consumer complaints and complaint-program management and oversight.
• Regulatory knowledge, including the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences.
• Risk identification, escalation, and remediation.
• Executive and business-partner communication and presentation skills.
• Data analysis, automation, and practical application of AI tools.
• Cross-functional collaboration and stakeholder management.
• Process documentation, monitoring, training, and continuous improvement.
• Independent execution and resourcefulness, including taking end-to-end ownership.

To thrive in this role, you have

• 5+ years of compliance experience in fintech, banking, or financial services, including meaningful work supporting consumer financial products and a track record of operating with a high degree of independence
• Direct, hands-on experience with deposit accounts and credit products
• Hands-on experience with consumer complaints and complaint-program management and oversight
• Strong regulatory knowledge, with the ability to interpret applicable regulations and translate them into practical, risk-based guidance for products, processes, and member experiences
• A sharp instinct for risk identification, escalation, and remediation — and the persistence to see issues through to closure
• Experience supporting regulatory exams, bank partner reviews, or internal audits
• Executive and business-partner communication and presentation skills
• Comfort with data analysis and automation, and practical experience applying AI tools to real work
• A collaborative approach to cross-functional work and stakeholder management
• Experience with process documentation, monitoring, training, and continuous improvement
• A bias toward independent execution and resourcefulness, including taking end-to-end ownership from problem to solution
• Comfort working in a fast pace environment that doesn't slow down

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