The opportunity
We are looking for a highly analytical and strategic Data Analyst of Credit Risk to support risk strategy for MyPay , Chime’s innovative product that provides members with early access to their earned wages. In this role, you will be the cornerstone of our MyPay risk function,…
What you'll do
Support the end-to-end credit risk lifecycle for the MyPay product, including: underwriting policies, dynamic limit assignments, and repayment strategies.
Design, execute, and analyze rigorous A/B tests to optimize credit limits,: user experience, and risk/reward trade-offs.
Utilize advanced statistical modeling and data science techniques to identify: new risk signals, improve predictive models, and automate risk decisioning.
Partner closely with Product Management, Engineering, Data Science, and: Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
Develop robust dashboards and reporting frameworks to track portfolio: performance, loss metrics, and the financial health of the MyPay program.
+ years of experience in credit risk, data science, or advanced analytics,: preferably within consumer lending, fintech, or earned wage access (EWA).
What they're looking for
- Expert-level proficiency in SQL for complex data extraction and manipulation.
- Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.
- Deep hands-on experience designing, launching, and analyzing A/B tests and: multivariate experiments, with a strong grasp of underlying statistical concepts.
- Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
