The opportunity
Chime's Data Science & Machine Learning team builds the models, services, and platforms behind how millions of members manage and grow their financial lives. We're hiring a Staff AI/ML Engineer on our Lending and Cashflow team to lead the modeling behind cash flow underwriting…
What you'll do
Lead the design, training, and deployment of deep learning and classical ML: underwriting models that turn members' transaction and cash flow data into credit decisions, from approval and line assignment to loss forecasting
Take models from problem framing through to production: training, evaluation, deployment, monitoring, and iteration — and stay accountable for how they behave once they're live
Design and improve the systems around the model: feature pipelines, batch and real-time inference, monitoring, and retraining
Partner with Product, Engineering, Analytics, and Risk to turn ambiguous: business problems into ML solutions, and to make sure the solution is the right one
Connect model performance to member outcomes and business metrics, and use experimentation to prove impact
Set the technical roadmap for Lending ML and raise the bar across the team: through design reviews, mentorship, and shared standards for model development, validation, and governance
What they're looking for
- Help identify where AI/ML creates measurable impact for members: and where a simpler answer is the better one
- A track record of leading the design and deployment of deep learning models: in production, including multi-quarter initiatives that span teams, with a solid grasp of architecture choice, training dynamics, and evaluation, and the judgment to make model design choices
- Solid machine learning fundamentals: classical modeling, evaluation design, and knowing which metric actually answers the question in front of you
- Hands-on experience across the end-to-end ML lifecycle: training, experimentation, optimization, deployment, and monitoring
