Senior Data Analyst, Credit Risk

About The Role

We are hiring a Sr. Risk Analyst who is data-driven and has strong analytical & technical skills. In this role, you will work on the Credit Risk team and will play a key role in launching new products and optimizing loss rates on the existing portfolio. You’ll work closely with product, engineering, data analytics, and finance teams, interacting with key stakeholders across many departments.

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

• Be responsible for the underwriting, risk management and performance of various lending products; specifically installment loans
• Develop credit policies and continuously iterate to improve credit product approval criteria and line assignment strategies
• Design, develop, test, refactor and scale backend implementation of new and existing risk strategies for consumer credit products.
• Devise and apply various analytical tools and techniques to validate risk models and strategies. Leverage external and internal Chime data to build credit models and policies in partnership with our Data Science team
• Collaborate with various data teams to build data infrastructure and establish reporting dashboards that will help senior management understand credit risk trends and exposures
• Collaborate with cross functional teams (product, finance, legal, compliance and marketing, engineering) across the company to assess and implement new credit risk initiatives

• 4+ years of analytical experience, preferably at a Fin Tech company.
• 2+ years of experience in a Credit Risk or related roles.
• Advanced SQL skills and Microsoft Excel skills.
• Experience in Python preferred
• Exceptional detail-orientation and organizational skills. You are eager to solve challenging analytical problems for our members
• The drive to work in a fast-paced environment and exceed ambitious deadlines while ensuring flawless completion
• Bachelor's or Master's degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
• A passion for Chime’s mission

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.

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 day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

• Chime is a financial technology company, not a bank. Banking services…