Data Analyst (Credit Risk)

• We are looking for a highly analytical and strategic Data Analyst of Credit Risk to support risk strategy for MyPay, Chime’s innovative product that provides members with early access to their earned wages
• In this role, you will be the cornerstone of our MyPay risk function, balancing rapid product growth with responsible risk management and loss mitigation
• You will sit at the intersection of credit risk strategy and data science
• You will own the underwriting, limit assignment, and loss forecasting strategies for MyPay, leveraging your deep technical expertise to build data-driven solutions
• You will also directly manage, mentor, and grow a team of talented Data Analysts to execute on complex analyses and experimentation
• Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies
• Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs
• Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning
• Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets
• Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program

Benefits

• Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
• Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
• Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
• Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events- Expert-level proficiency in SQL for complex data extraction and manipulation
• Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders
• Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling
• 3+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA)
• Solid understanding of consumer credit risk principles, loss forecasting, and unit economics
• Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts
• Advanced degree (Master’s or PhD) in a quantitative field (Statistics, Mathematics, Economics, Computer Science, etc.)
• Prior experience working specifically with Earned Wage Access (EWA), cash advance, or short-term liquidity products
• Familiarity with modern data stacks (e.g., Snowflake, dbt, Looker)