Senior Data Scientist, Spending at Chime in San Francisco, CA

About the role As a Sr. Spending Product Data Scientist, you will have the opportunity to develop, test, launch and scale member banking experience products that build products that make Chime banking the best place to spend, save and invest. Spending XFN organization’s mission is to deliver industry-leading spending products that members want to keep top of wallet. Our spending products help our members spend and manage their money, offering unmatched simplicity, rewards, and tools that bring them financial progress. Through experimentation, user behavioral analysis, sophisticated statistical and data science modeling, and dashboards development, you will surface product insights and recommendations that will increase engagement, and retention of our members. In this role, you will work closely with product managers, risk, engineers, product & lifecycle marketing, and operational stakeholders to foster a data-driven product development culture, advise our product roadmaps, and build a deep understanding of member behavior. The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. In this role, you can expect to Partner widely with product, engineering, research, and design to translate your insights to guide product development. You’ll use data to help the organization understand how members are interacting with Chime and convert that to business and experience implications. Lead experimentation by providing mentorship on how they should be run, defining success metrics and data requirements, evaluating impact, and providing strategic direction. Drive roadmap, analysis and metric ideation, and strategic discussions with stakeholders. Keep a pulse on performance metrics and KPIs. You will be positioned to have a view of the business, product, and member base and encouraged to understand and explain trends. Foster a data-driven, test-and-learn culture with your passion for telling stories with data - not only surfacing insights but also presenting those insights and recommendations to encourage and inspire change. Collaborate with analysts and other functions to help bridge business questions and technical (data / computational) solutions. To thrive in this role, you have 5-7 years in data-focused roles (post-internship), building analytical infrastructure and data tools that support a wide audience and facilitate decisions of trade-offs. B2C product analytics and FinTech experience preferred. Experience leading experimentation, statistical analysis, and sophisticated measurement (e.g. causal inference) E2E to guide decision making. Expertise in SQL - you innately translate business questions to queries, understand the edge cases of joins, and can explore a warehouse to find data most appropriate to the problem. Familiarity in R or python - you write reproducible code and have a tendency toward automation. Hands-on experience with BI/Visualization tools (Looker, Tableau, PowerBI, etc). Experience building metric frameworks to understand user behaviors. Ability to think holistically to solve business problems at hand and navigate through ambiguity. Excellent stakeholder management skills, with a record of working cross-functionally to achieve results. A focus on impact - you don’t stop with just recommendations but ensure to see work through to changing the business. #LI-Hybrid #LI-AM1 A little about us At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential. Because if we don't—who will? *Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. What we offer for our full-time, regular employees 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates. 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute 💰 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 We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals. Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.