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# Product Data Scientist

- **Company:** Chime
- **Location:** San Francisco, CA, United States (Remote available)
- **Experience:** Expert
- **Salary:** $133,000.0 - $185,000.0
- **Contract:** Permanent contract
- **Skills:** A/B Testing, Airflow, Data Presentation, Data Visualization, Cursor, Mobile Application Software, Python (Programming Language), Machine Learning, SQL Databases, Claude Code, AI Coding Agents, Power Analysis (Cryptography), Looker Analytics, Data Pipelines
- **Published:** October 12, 2026
- **Apply:** https://startup.jobs/senior-data-scientist-lending-chime-8578767

## About the Role

* 5-7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus).
 * Expert-level SQL ability and proficiency in Python.
 * Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.
 * Demonstrated experience acting as a trusted advisor to senior cross-functional partners - influencing decisions through both data and judgment. Comfort speaking fluently in adoption, approval/conversion rates, and loss/risk tradeoffs is a strong plus.
 * A strong bias toward proactive problem discovery. You don't wait for tickets - you explore data, spot patterns, and bring forward opportunities that meaningfully change product direction.
 * Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
 * Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus
 * Familiarity with building data pipelines using tools like dbt or Airflow.
 * Familiarity with AI coding tools (such as Claude Code and Cursor).

#LI-Hybrid #LI-AM1

## Description

We're looking for a Sr. Product Data Scientist to partner with our Lending Product, Engineering, Risk, and Finance teams to drive measurable impact across Chime's portfolio of liquidity and credit products - MyPay, Instant Loans, SpotMe, and Line of Credit. You'll turn data into the decisions that shape how millions of members access liquidity, build credit, and get value from Chime - while balancing growth, member trust, and risk/compliance performance.

This role sits at the intersection of product, data, experimentation, and risk. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship. You'll connect member liquidity outcomes to business metrics like revenue, losses, and Direct Deposit growth - not just product usage.

In this role, you can expect to

 * Operate as an independent thought partner to Lending Product, Engineering, Risk, and Finance - shaping strategy, not just measuring it. You'll proactively surface opportunities and risks, framing the right questions before they're asked.
 * Build a rich experimentation and A/B testing program across MyPay, Instant Loans, and SpotMe - including metric creation, experiment design, power analysis, and results analysis.
 * Drive data-informed decisions across the Lending org by equipping PMs and engineers with self-service analytics, and running ad hoc analyses and causal studies.
 * Apply advanced causal inference, time-series, and forecasting methods to lending questions - origination pacing, adoption, repayment, and retention - plus occasional ML for member segmentation.
 * Own metrics across the lending funnel - adoption, conversion, take rate, originations, revenue, retention, delinquency, losses, and Direct Deposit growth/retention - and use them to drive experiments.
 * Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app.
 * Define what "good" looks like - optimizing for long-term member and business value while balancing growth against loss and risk - and build dashboards to track portfolio and product health.
 * Translate complex findings into executive-ready narratives that inspire action and alignment.