Lead Data Analyst, MyPay at Chime · Lumi · Lumi

Responsibilities

We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead 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.
The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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.
Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
Cross-Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
Monitor Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.
To thrive in this role, you have
Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
Technical Expertise: * Expert-level proficiency in SQL for complex data extraction and manipulation.
Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.
Experimentation Mastery: Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.

Lead Data Analyst, MyPay

Responsibilities

Qualification

Required

Benefits

Company

Chime

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