Lead Data Scientist, Credit Risk

Tech Stack

Responsibilities

• Lead credit strategy for new-to-Chime applicants across the member lifecycle including Instant Loans and credit cards
• Develop and evolve channel-specific credit policies balancing risk, unit economics, and member experience
• Build credit models and risk policies leveraging credit bureau, alternative, and internal data
• Design and execute champion/challenger tests and controlled ramps to quantify trade-offs among approvals, losses, and LTV
• Partner with cross-functional teams including Product, DSML, Engineering, Legal, and Compliance to implement and govern strategies

Benefits

• Equity
• Gym Membership
• Learning Budget
• Parental Leave
• Remote Work

Culture

Requirements