Data Analyst, Credit Risk

<h2><strong>About the Role</strong></h2> <p>We are looking for a highly analytical and strategic <strong>Data Analyst of Credit Risk</strong> to support risk strategy for <strong>MyPay</strong>, 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.</p> <p>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.</p> <p class="p1">The base salary offered for this role and level of experience will begin at $109,000.00 and up to $150,000.00. 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.&nbsp;</p> <h2><strong>In this role, you can expect to</strong></h2> <ul> <li>Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.</li> <li>Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.</li> <li>Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.</li> <li>Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.</li> <li>Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.</li> </ul> <h2><strong>To thrive in this role, you have</strong></h2> <ul> <li>3+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).</li> <li>Expert-level proficiency in <strong>SQL</strong> for complex data extraction and manipulation.</li> <ul> <li>Strong programming skills in <strong>Python</strong> (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.</li> </ul> <li>Deep hands-on experience designing, launching, and analyzing <strong>A/B tests</strong> and multivariate experiments, with a strong grasp of underlying statistical concepts.</li> <li>Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.</li> <li>Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.</li> </ul> <p><strong>Nice-to-Have</strong></p> <ul> <li>Advanced degree (Master’s or PhD) in a quantitative field (Statistics, Mathematics, Economics, Computer Science, etc.).</li> <li>Prior experience working specifically with Earned Wage Access (EWA), cash advance, or short-term liquidity products.</li> <li>Familiarity with modern data stacks (e.g., Snowflake, dbt, Looker).</li> </ul> <p>#LI-Onsite #LI-BE1</p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every d