Data Analyst, Credit Risk
Core
Own underwriting, limit assignment, and loss forecasting strategies for Chime's MyPay earned wage access product while managing a team of Data Analysts.
Role type
Senior IC Data Analyst (Credit Risk) with team leadership
Builds
Data-driven solutions for credit risk strategy, underwriting policies, and loss mitigation
Domain
Fintech / Consumer Lending / 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
Advanced degree in quantitative field, Earned Wage Access (EWA) product experience, modern data stack familiarity (Snowflake, dbt, Looker)
Technologies
SQL, Python, Pandas, NumPy, Scikit-learn, Snowflake, dbt, Looker
Responsibilities
Support end-to-end credit risk lifecycle including underwriting policies and dynamic limit assignments; Design and analyze A/B tests to optimize credit limits and risk/reward trade-offs; Utilize statistical modeling to identify risk signals and automate risk decisioning; Develop dashboards to track portfolio performance and loss metrics; Mentor and manage a team of Data Analysts
Seniority
Senior, hands-on IC with team management
