Senior Credit Analyst/Credit Manager

Chime Bank San Francisco , CA 94118

Posted 4 months ago

Chime is the largest and fastest-growing challenger banking company in the U.S., with over 4M accounts and no physical branches. We're a technology company relentlessly focused on helping our members achieve financial peace of mind. That's why we offer an award-winning bank account that doesn't charge hidden fees, gives members early access to their paychecks, and helps them grow their savings automatically. And we're just getting started. We are proud of our mission, devoted to our members, and passionate about applying technology to the challenge of making financial health a reality for everyone.

We have one of the most experienced management teams in Fintech and have raised over $300M in funding from DST, General Atlantic, Coatue, Dragoneer, Menlo, and others. If you're looking to join a small but fast-growing company with a beloved, daily-use product and an authentic mission that puts people first, we want to meet you.

About the Role

We are looking for a seasoned credit expert who is data-driven and has strong analytical & technical skills. In this role, you will report to our Head of Credit Risk and will play a key role in developing the credit policies and strategy for all our current and future products. You'll work closely with analytics, lending and ML teams and foster a culture of information-based decision making.


  • Analyze and monitor the historical performance of our lending products and improve customer approval criteria and line assignment strategies accordingly

  • Collaborate with our Data Analytics and Data Science teams to build lending data tables and establish reporting dashboards that will help senior management understand credit risk trends and exposures

  • Leverage external and internal Chime data to build credit models in partnership with our Data Science team

  • Partner closely with our Lending team in developing credit strategies for our lending products

  • Work with cross functional teams across the company (including core banking) to measure the impact of lending products on their businesses and also help them out on their analytical needs

  • Advise and mentor analysts throughout the organization with a focus on information-based strategy


  • Bachelor's degree in Engineering, Math, Finance or other quantitative discipline; Masters degree with a quantitative focus is a plus

  • 4-7 years of analytical experience, preferably in a consumer credit risk role at a FinTech company

  • Excellent SQL programming and advanced Microsoft Excel skills

  • Experience working on bureau retro analysis, A/B testing and building credit models

  • Experience in Python (or R or SAS or similar language) a plus

  • Experience working in Looker or similar business intelligence tool a plus

  • Knowledge of regression or any ML techniques a plus

  • Detail-oriented with exceptional organizational skills. Should be willing to get their hands dirty and solve hard analytical problems for the business

  • Ability to work in a fast-paced environment and meet aggressive deadlines while ensuring flawless execution

  • Excellent written and oral communication skills

  • A strong passion for Chime's mission

What we offer

  • Competitive salary based on experience, with medical and dental benefits.

  • Free snacks and drinks, plus weekly catered lunches.

  • Flexible vacation policy.

  • Monthly happy hours and company events.

  • Dog-friendly office.

  • A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of bank.

We know great work isn't done alone. We're building a team of individuals to Chime in with their different strengths to benefit our employees and members. We strongly believe that different backgrounds and ideas are a competitive advantage; we hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know.

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Senior Credit Analyst/Credit Manager

Chime Bank