Lead Data Scientist, Credit Risk
Core
Lead credit strategy and risk policies for new-to-Chime applicants, managing unsecured credit products like Instant Loans and future credit cards across the member lifecycle.
Role type
Senior IC Lead Data Scientist (Credit Risk)
Builds
Credit policies, risk models, pricing strategies, and monitoring dashboards for unsecured lending.
Domain
Financial Services / Consumer Lending / Credit Risk
Deliverable
production ML models
Required skills
Credit risk modeling, scorecards, gradient-boosted models, vintage analysis, experiment design, SQL, Python, credit bureau data, consumer lending regulation (FCRA, ECOA), stakeholder management
Preferred skills
Subprime/near-prime lending, alternative-data underwriting, affiliate/marketplace lending, credit card line management
Technologies
Python, SQL, Looker, Microsoft Excel
Responsibilities
Develop and evolve channel-specific credit policies; design acquisition, pricing, and repayment strategies; build credit models using internal and external data; lead test-and-learn experiments; partner with cross-functional teams to implement risk models in production; mentor other data scientists.
Seniority
Senior, hands-on IC with leadership responsibilities
