Chime

<h2>About the role</h2>
We’re hiring for a Senior AI/ML Engineer, Growth &amp; Marketing AI to help us build the next generation of AI-powered growth and marketing capabilities at Chime. In this role, you’ll develop foundational transformer models that convert behavioral and financial data into highly personalized experiences, recommendations, and communications for millions of members.
You’ll work closely with the Growth &amp; Marketing team, as well as the Product and Engineering teams to deploy scalable AI systems that improve member engagement and drive company growth. This is a highly applied role where you’ll have the opportunity to work with rich datasets, solve challenging real-world problems, and build cutting-edge deep learning systems in production.
The base salary offered for this role and level of experience will begin at $172,000.00 and up to $238,000.00. 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.
<h2>In this role, you can expect to</h2>
<ul>
<li>Develop and deploy sequential deep learning models and traditional machine learning systems to power growth and marketing initiatives</li>
<li>Build predictive models using large-scale financial, transactional, and behavioral datasets to improve personalization and member engagement</li>
<li>Partner cross-functionally with Growth &amp; Marketing, Product, and Engineering teams to drive strategic AI/ML initiatives</li>
<li>Design and improve infrastructure for training, serving, and monitoring large-scale ML and deep learning systems in both batch and real-time environments</li>
<li>Generate insights and recommendations that improve growth effectiveness and the overall member experience</li>
<li>Contribute to experimentation frameworks, optimization strategies, and scalable ML platform capabilities</li>
<li>Help identify technology gaps and opportunities where AI/ML solutions can create measurable business impact</li>
</ul>
<h2>To thrive in this role, you have</h2>
<ul>
<li>Deep expertise in building sequential and deep learning models, especially outside of traditional NLP applications and within financial or behavioral data domains</li>
<li>Strong experience across the end-to-end ML lifecycle, including training, experimentation, optimization, deployment, and monitoring</li>
<li>Experience working with large-scale transactional, financial, or behavioral datasets to develop predictive models</li>
<li>Hands-on experience with AWS and modern ML infrastructure tools such as SageMaker, Kafka, Airflow, Redis, Snowflake, and Spark</li>
<li>Strong proficiency in Python, SQL, and distributed computing and model training frameworks such as PyTorch and PySpark for scalable ML development</li>
<li>A strong MLOps mindset with experience deploying and maintaining production-grade ML systems</li>
<li>The ability to operate independently, collaborate cross-functionally, and move quickly in ambiguous environments</li>
</ul>
#LI-GC1 #LI-Hybrid<div><h2>A little about us</h2>
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.
<h2>What we offer for our full-time, regular employees</h2>
<ul>
<li>🏢 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.</li>
<li>💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li>
<li>💰 Competitive salary based on experience</li>
<li>✨ 401k match plus great medical, dental, vision, life, and disability benefits</li>
<li>🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li>
<li>🫂 1% of your time off to support local community organizations of your choice</li>
<li>👟 Annual wellness stipend to use towards eligible wellness related expenses</li>
<li>👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li>
<li>👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li>
<li>🎉 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!</li>
<li>💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li>
</ul>
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: <a href="mailto:benefits@chime.com">benefits@chime.com</a>.
To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/" rel="noopener noreferrer ugc" target="_blank">Chime Applicant Privacy Notice. </a></div>

Senior AI/ML Engineer

<h2>About the role </h2>
Chime’s Machine Learning Platform (MLP) team builds and operates the infrastructure, tooling, and developer experience that powers machine learning across the company. We enable data scientists and ML engineers to develop, train, deploy, and monitor models reliably and efficiently.
As a Machine Learning Platform Engineer, you will design and build scalable systems that support model training, feature computation, real-time inference, and experimentation. You’ll work at the intersection of distributed systems, cloud infrastructure, and applied machine learning.
This role focuses on building robust foundations that allow ML teams to move quickly while maintaining reliability, governance, and cost efficiency.
The base salary offered for this role and level of experience will begin at $187,000.00 and goes up to $259,000.00. 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.
<h2>In this role, you can expect to</h2>
<ul>
<li>Design, build, and operate scalable ML infrastructure on AWS</li>
<li>Develop distributed training and batch processing systems using Ray</li>
<li>Build and maintain infrastructure-as-code using Terraform</li>
<li>Support and evolve the feature store and feature pipelines</li>
<li>Develop data ingestion and streaming systems (e.g., Kinesis, Kafka, Flink, Spark, or similar technologies)</li>
<li>Improve CI/CD workflows for ML models and platform components</li>
<li>Enhance observability, reliability, and cost visibility across ML workloads</li>
<li>Partner closely with Data Science and ML Engineering teams to improve developer experience</li>
<li>Contribute to platform architecture decisions and technical roadmaps</li>
<li>Participate in on-call rotations to support production systems</li>
</ul>
<h2>To thrive in this role, you have</h2>
<ul>
<li>5+ years of experience in ML infrastructure, platform engineering, or production ML systems</li>
<li>Knowledge of the machine learning model development lifecycle, including data preprocessing, model training, evaluation, and deployment</li>
<li>Experience with distributed systems, cloud computing, or large-scale data processing</li>
<li>Strong foundation in computer science and software engineering principles</li>
<li>Deeply interested in the impact and evolution of advanced AI technologies</li>
<li>Hands-on experience with CI/CD pipelines, DevOps practices, and infrastructure as code</li>
<li>Experience with containerization technologies such as Docker and Kubernetes, and orchestration systems</li>
<li>Knowledge of cloud platforms such as AWS and distributed computing frameworks such as Spark and Ray</li>
<li>Experience with GPU programming(CUDA) and GPU costs/optimization</li>
<li>Strong programming skills in Python, Go, Scala, Java or similar languages</li>
<li>Familiarity with infrastructure-as-code (e.g., Terraform, CloudFormation)</li>
<li>Solid understanding of software engineering fundamentals (testing, version control, code review, observability)</li>
</ul>
<h2>Nice-to-have</h2>
<ul>
<li>Experience with distributed compute frameworks such as Ray</li>
<li>Experience building or operating a feature store</li>
<li>Experience with real-time ML systems or model serving</li>
<li>Familiarity with streaming technologies (Kafka, Kinesis, Flink, Spark Streaming, etc.)</li>
<li>Experience supporting ML lifecycle workflows (training, evaluation, deployment, monitoring)</li>
<li>Knowledge of ML experimentation platforms and model governance practices</li>
</ul>
#LI-GC1 #LI-SF<div><h2>A little about us</h2>
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.
<h2>What we offer for our full-time, regular employees</h2>
<ul>
<li>🏢 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.</li>
<li>💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li>
<li>💰 Competitive salary based on experience</li>
<li>✨ 401k match plus great medical, dental, vision, life, and disability benefits</li>
<li>🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li>
<li>🫂 1% of your time off to support local community organizations of your choice</li>
<li>👟 Annual wellness stipend to use towards eligible wellness related expenses</li>
<li>👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li>
<li>👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li>
<li>🎉 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!</li>
<li>💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li>
</ul>
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: <a href="mailto:benefits@chime.com">benefits@chime.com</a>.
To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/" rel="noopener noreferrer ugc" target="_blank">Chime Applicant Privacy Notice. </a></div>

Senior Software Engineer, Machine Learning Platform

<h2>About the role</h2>
We’re looking for a Staff Data Analyst to become Chime’s dedicated analytics partner to Strategic Finance on the Spending portfolio — debit, Credit Builder, Chime Card and Single Balance, Chime Deals, Spending Insights, and Checkbooks. Finance’s demand for spending data has outgrown an ad hoc, request-by-request model, and this role exists to fix that: building the roadmap, tooling, and semantic layer that let Finance answer its own questions, and designing the AI-assisted workflows that make that data usable at scale. You’ll retain fluency in Spending’s products and experimentation, but Strategic Finance — not Product — is the primary partner.
This is a strategic, area-level role. You’ll work on ambiguous problems — deciding what Finance actually needs, building durable infrastructure instead of one-off pulls, and reframing requests when the initial ask isn’t the real question — while mentoring other analysts along the way.
The base salary offered for this role and level of experience will begin at $152,000.00 and up to $210,000.00. 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.
<h2>In this role, you can expect to</h2>
<ul>
<li>8+ years in analytics roles spanning both finance and product analytics, with a track record of building infrastructure that scales an analytics function beyond one-off requests (FinTech, payments, or card a plus).</li>
<li>Direct experience partnering with a Finance or Strategic Finance organization — fluent in unit economics, contribution margin, and forecasting, not just product metrics.</li>
<li>Expert-level SQL and strong proficiency in Python.</li>
<li>Deep expertise in experimental design, A/B testing, and causal inference, plus experience applying ML techniques to business problems.</li>
<li>Track record as a trusted strategic partner to senior leaders (Directors/VPs), influencing roadmaps through both data and judgment, with a strong bias toward proactive problem discovery.</li>
<li>Exceptional data storytelling at executive altitude, with experience using Hex and Looker.</li>
<li>Experience building dbt/Airflow pipelines, and fluency with AI coding/analytics tools (e.g., Claude Code, Cursor) used to build self-serve workflows for non-technical stakeholders like Finance.</li>
</ul>
<h2>To thrive in this role, you have</h2>
<ul>
<li>8+ years of relevant hands-on experience in product or business analytics roles, with a track record of shaping strategy at the area or business-line level (FinTech, payments, or card a plus).</li>
<li>Expert-level SQL ability and strong proficiency in Python.</li>
<li>Deep expertise in applied statistics, experimental design, and analysis of A/B tests, including causal inference, and demonstrated experience applying ML techniques to business use cases.</li>
<li>Demonstrated experience as a trusted strategic partner to senior cross-functional leaders (Directors/VPs) — carrying weight in contested decisions and influencing roadmaps through both data and judgment.</li>
<li>A strong bias toward proactive problem discovery on ambiguous problems </li>
<li>Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).</li>
<li>Exceptional data storytelling and data visualization ability, with experience communicating at executive altitude. Experience with Hex and Looker.</li>
<li>Experience building and maintaining data pipelines with dbt or Airflow, and contributing to shared analytical infrastructure and standards.</li>
<li>Fluency with AI coding/analytics tools (such as Claude Code and Cursor) and a track record of driving their adoption.</li>
</ul>
#LI-AM1 #LI-Hybrid<div><h2>A little about us</h2>
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.
<h2>What we offer for our full-time, regular employees</h2>
<ul>
<li>🏢 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.</li>
<li>💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li>
<li>💰 Competitive salary based on experience</li>
<li>✨ 401k match plus great medical, dental, vision, life, and disability benefits</li>
<li>🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li>
<li>🫂 1% of your time off to support local community organizations of your choice</li>
<li>👟 Annual wellness stipend to use towards eligible wellness related expenses</li>
<li>👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li>
<li>👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li>
<li>🎉 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!</li>
<li>💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li>
</ul>
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: <a href="mailto:benefits@chime.com">benefits@chime.com</a>.
To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/" rel="noopener noreferrer ugc" target="_blank">Chime Applicant Privacy Notice. </a></div>

Staff Data Scientist, Finance Analytics

<h2>About the Role</h2>
The Data Governance function is pivotal in ensuring the integrity, trustworthiness, and effective management of Chime’s data assets. Our mission is to establish and operationalize data governance frameworks that not only meet compliance requirements, but actively enable high-confidence decision making across the company.  As a Data Governance Engineer, you will develop and implement policies and tools for data quality, developer enablement, certified datasets, and governance automation - with a sharp focus on building trust signals and scorecards that help data consumers quickly understand and act on the reliability of Chime's data.
This is a hands-on engineering role. You will write production-quality code to build automation for governance and data quality processes using Terraform, Python (or similar languages), and contribute to internal libraries, frameworks, and orchestration workflows that enable scalable governance.
You will partner closely with data engineering, analytics, product engineering, and compliance teams to:
<ul>
<li>Support Chime in data compliance and risk reduction initiatives</li>
<li>Establish data quality as a product discipline</li>
<li>Build trust signals and scorecards that make data reliability transparent and data context valuable for a variety of use cases</li>
<li>Implement governance workflows upstream, where data are created</li>
<li>Ensure data context and metadata are sufficient for downstream use cases, including AI applications</li>
</ul>
You will be involved in reviews of technical designs and implementation plans to provide guidance on appropriate development from a data governance and compliance perspective, acting as a trusted advisor to teams innovating at Chime. You will also be a strong advocate and leader for Artificial Intelligence tooling and adoption at Chime, bringing curiosity and a practical eye for where AI creates leverage in data governance workflows. This role is 40% strategic influence, 40% development and building, and 20% stakeholder management and support.
The base salary for this role and level of experience will begin at $160,000.00 and go up to $221,000.00. 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.
<h2>In this role, you can expect to</h2>
<ul>
<li>Build Data Trust Infrastructure: Design and implement trust scorecards, trust signals, and quality indicators that give data consumers real-time visibility into data reliability - and partner with producers upstream to embed quality checks at the source before issues propagate downstream.</li>
<li>Drive Data Quality Strategy: Own and evolve Chime's data quality strategy end-to-end. Design and partner with engineering teams to implement data quality frameworks and monitoring systems that proactively identify, surface, and resolve data issues at scale.</li>
<li>Develop and Implement Data Governance Policies: Create and enforce policies for data classification, quality, and lifecycle management, ensuring data integrity and compliance with SOX and other applicable regulatory standards.</li>
<li>Enable the Data Catalog: Collaborate on the development, adoption, and enrichment of Chime's data catalog - improving discoverability, context richness (lineage, ownership, definitions, usage guidance), and the overall experience of working with Chime's data.</li>
<li>Automate Governance Processes: Develop and deploy automation solutions for data governance tasks, such as metadata management, data lineage tracking, access controls, and quality remediation workflows.</li>
<li>Champion SOX Compliance: Play an active role in Chime's SOX compliance efforts, ensuring that data governance practices, controls, and audit trails meet regulatory requirements and are well-documented.</li>
<li>Lead AI Adoption for Data Governance: Serve as a leader and advocate for AI tooling within the data governance space - identifying opportunities to apply AI to automate governance workflows, improve data context, enhance trust scoring, and accelerate adoption of governance best practices across engineering teams.</li>
<li>Collaborate Across Teams: Work closely with data engineers, analysts, and compliance officers to align data governance initiatives with business needs and regulatory requirements.</li>
</ul>
<h2>To thrive in this role, you have</h2>
<ul>
<li>Experience: 5+ years in data engineering, data governance, or a related field, with hands-on experience in data classification, cataloging, quality assurance, and trust frameworks. Engineering ability to design and implement data governance and quality processes is critical to success.</li>
<li>Trust &amp; Quality Expertise: Demonstrated experience building data trust signals, quality scorecards, or similar frameworks that make data reliability visible and actionable for both engineers and non-technical stakeholders.</li>
<li>Programming Experience: Proficiency in Python or a comparable programming language, and experience building scalable data tooling or automation pipelines.</li>
<li>Curiosity and Relentlessness: You are genuinely curious about data, technology, and the problems that sit at the intersection of the two. You don't let ambiguity stop you - you dig in, ask the right questions, and keep pushing until you've found the right answer or built the right solution. You bring energy and persistence to hard problems and don't need external pressure to drive yourself forward.</li>
<li>Composure in Complexity: Data governance at a fintech means navigating competing priorities, regulatory constraints, sprawling data ecosystems, and stakeholders with different mental models of "good." You thrive in this environment rather than shrinking from it - you can hold complexity without getting overwhelmed, break it into manageable pieces, and make steady progress without waiting for perfect conditions.</li>
<li>Exceptional Communication: You are a terrific communicator in both verbal and written form. You can write a crisp one-pager that earns buy-in from a skeptical audience, run a meeting that ends with clarity instead of confusion, and translate deeply technical concepts into plain language that moves people to action. You treat communication as a core part of the job, not an afterthought.</li>
<li>Product Management Mindset: You think like a product manager as much as an engineer. You ask "who is this for and what problem does it solve?" before writing a line of code. You prioritize ruthlessly, define success before you start building, and care about adoption and outcomes - not just delivery. You treat your internal stakeholders as customers and design solutions with their experience in mind.</li>
<li>AI Curiosity and Advocacy: Genuine curiosity about AI and its applications in the data governance space, with an appetite for identifying and piloting new tools and workflows that improve the experience of working with Chime's data.</li>
<li>Technical Proficiency: Strong knowledge of data governance tools and platforms, and experience with cloud data warehouses like Snowflake. Experience with data catalog platforms and driving adoption across engineering organizations is a strong plus.</li>
<li>Bonus: Compliance Knowledge: Familiarity with SOX, CCPA, and other data privacy and financial regulations, and ability to apply technical skills to governance practices that meet audit and compliance requirements.</li>
</ul>
#LI-Onsite #LI-GC1<div><h2>A little about us</h2>
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.
<h2>What we offer for our full-time, regular employees</h2>
<ul>
<li>🏢 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.</li>
<li>💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li>
<li>💰 Competitive salary based on experience</li>
<li>✨ 401k match plus great medical, dental, vision, life, and disability benefits</li>
<li>🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li>
<li>🫂 1% of your time off to support local community organizations of your choice</li>
<li>👟 Annual wellness stipend to use towards eligible wellness related expenses</li>
<li>👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li>
<li>👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li>
<li>🎉 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!</li>
<li>💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li>
</ul>
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: <a href="mailto:benefits@chime.com">benefits@chime.com</a>.
To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/" rel="noopener noreferrer ugc" target="_blank">Chime Applicant Privacy Notice. </a></div>

Data Governance Engineer

<h2>About the role</h2>
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.
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.
<h2>In this role, you can expect to</h2>
<ul>
<li>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.</li>
<li>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.</li>
<li>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.</li>
<li>Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation.</li>
<li>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.</li>
<li>Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app.</li>
<li>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.</li>
<li>Translate complex findings into executive-ready narratives that inspire action and alignment.</li>
</ul>
<h2>To thrive in this role, you have</h2>
<ul>
<li>5–7 years of relevant hands-on experience in product or business data science  (FinTech, lending, or credit a plus).</li>
<li>Expert-level SQL ability and proficiency in Python.</li>
<li>Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.</li>
<li>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.</li>
<li>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.</li>
<li>Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).</li>
<li>Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus</li>
<li>Familiarity with building data pipelines using tools like dbt or Airflow.</li>
<li>Familiarity with AI coding tools (such as Claude Code and Cursor).</li>
</ul>
#LI-Hybrid #LI-AM1<div><h2>A little about us</h2>
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.
<h2>What we offer for our full-time, regular employees</h2>
<ul>
<li>🏢 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.</li>
<li>💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</li>
<li>💰 Competitive salary based on experience</li>
<li>✨ 401k match plus great medical, dental, vision, life, and disability benefits</li>
<li>🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</li>
<li>🫂 1% of your time off to support local community organizations of your choice</li>
<li>👟 Annual wellness stipend to use towards eligible wellness related expenses</li>
<li>👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</li>
<li>👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</li>
<li>🎉 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!</li>
<li>💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</li>
</ul>
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: <a href="mailto:benefits@chime.com">benefits@chime.com</a>.
To learn more about how Chime collects and uses your personal information during the application process, please see the <a href="https://www.chime.com/careers/chime-applicant-privacy-notice/" rel="noopener noreferrer ugc" target="_blank">Chime Applicant Privacy Notice. </a></div>

Chime

Open jobs at Chime

Senior AI/ML Engineer

Senior Software Engineer, Machine Learning Platform

Staff Data Scientist, Finance Analytics

Data Governance Engineer

Senior Data Scientist, Lending

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