Manager, Data Science & AI/ML - Credit Risk & Lending

About the position Responsibilities • Lead cross-functional initiatives to deliver impactful machine learning solutions that enhance member experiences, with a focus on credit and lending products. • Manage and inspire a talented team, driving the development of innovative credit insights and risk assessment solutions that impact millions of customers. • Oversee the end-to-end development and deployment of advanced machine learning models to improve the accuracy, fairness, and inclusivity of credit assessments. • Collaborate with Legal and compliance in regards to fair lending practices and model governance. • Play a key role in shaping the credit team's strategic direction and ensuring alignment with Chime's broader business goals. • Leverage transactional and financial data to improve access to capital for loan applicants and enhance member financial security. • Champion a data-driven approach to decision-making across the organization. • Make critical long-term decisions regarding machine learning processes and best practices. • Collaborate with product managers, engineering, and other stakeholders to shape the product roadmap and define project goals. • Directly contribute to Chime's success by delivering data science solutions that improve both customer satisfaction and business outcomes. Requirements • 7+ years of industry experience developing machine learning models for credit risk products from inception to production, with a proven ability to tailor solutions to real-world business challenges in a cross-functional environment. • 5+ years of managerial experience in data science and machine learning, with a track record of leading teams to deliver impactful solutions. • Strong expertise in credit and lending risk assessment, with experience building and deploying models that meet regulatory requirements with respect to model governance and fair lending. • Deep understanding of modern AI/ML techniques, including classification, clustering, optimization, deep learning, and natural language processing. • Excellent product intuition and a passion for working iteratively in a fast-paced environment. • M.S. or Ph.D. in Machine Learning or a related STEM field, with hands-on experience building production ML pipelines, from development to deployment, at scale. • Proficiency in Python and intermediate to advanced knowledge of SQL, with the ability to wrangle data from diverse sources. • Experience with technologies such as AWS, Kafka, Airflow, Redis, MySQL, Postgres, Spark, Snowflake, and Looker. • Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing. Benefits • A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you're local to one of our offices or remote. • Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit. • Competitive salary based on experience. • 401k match plus great medical, dental, vision, life, and disability benefits. • Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off. • 1% of your time off to support local community organizations of your choice. • Annual wellness stipend to use towards eligible wellness related expenses. • Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents. • Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more. • In-person and virtual events to connect with your fellow Chimers-think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too! • A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress. Apply tot his job Apply tot his job