Lead Data Analyst, MyPay
Core
Lead credit risk strategy and data science for Chime's early access to earned wages product (MyPay), balancing rapid growth with loss mitigation.
Role type
Lead Data Analyst (Credit Risk)
Builds
Underwriting policies, dynamic limit assignments, and repayment strategies for the MyPay product.
Domain
Fintech / Consumer Credit Risk
Deliverable
production ML models | dashboards & analysis
Required skills
SQL, Python (Pandas, NumPy, Scikit-learn), A/B testing design and analysis, statistical modeling, credit risk principles, loss forecasting, unit economics
Preferred skills
Experience in earned wage access (EWA), cross-functional collaboration with product and engineering
Technologies
SQL, Python, Pandas, NumPy, Scikit-learn
Responsibilities
Drive end-to-end credit risk lifecycle including underwriting policies and limit assignments; Design and analyze rigorous A/B tests to optimize credit limits and risk/reward trade-offs; Develop robust dashboards to track portfolio performance and loss metrics; Mentor and manage a team of Data Analysts
Seniority
Senior, hands-on IC with team leadership