Chime
Lead Data Scientist, Credit Risk
$152K–$210K
Chicago, IL, USA +2 · Full-time · Posted Oct 13, 2026
- Location
- Chicago, IL, USA
San Francisco, CA, USA
Chicago, Illinois, United States - Experience
- 7+ years of analytical or data science experience in Financial Services; 4+ years building and managing risk for unsecured credit products.
- Education
- Master's degree in Statistics, Economics, Engineering, Math, Finance, Computer Science, or another quantitative discipline; a PhD is a plus.
About the job
Leads credit-risk strategy, policies, and models for new-to-Chime applicants and unsecured lending products, balancing growth, risk, unit economics, and member experience.
What you'll do
- Develop and manage channel-specific credit policies and strategies across underwriting, pricing, credit limits, repayment, and collections.
- Design and evaluate controlled tests, forecast portfolio performance and economics, and build monitoring and dashboards for credit risk.
- Partner with product, data, compliance, legal, and other teams to implement and govern credit models and policies; mentor other credit risk data scientists.
What they ask for
- Master's degree in a quantitative discipline (PhD is a plus).
- 7+ years of analytical or data science experience in Financial Services.
- 4+ years building and managing risk for unsecured credit products.
- Hands-on credit bureau data and prescreen, pre-approval, or direct mail program experience; strong SQL, Python, and advanced Microsoft Excel skills.
Nice to have
- FinTech experience.
- Subprime or near-prime lending, affiliate or marketplace lending, credit card line management, or cash-flow / alternative-data underwriting experience.
Pay
$152,000 — $210,000 USD base salary
Tools
Experian, SQL, Python, Microsoft Excel, Looker
Model-written summary · the original posting is authoritative