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Senior Data Scientist, Spending

Chime · San Francisco, CA, USA · 2026-06-29

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About this role

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the role</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Lead experimentation by providing mentorship on how they should be run, defining success metrics and data requirements, evaluating impact, and providing strategic direction.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Drive roadmap, analysis and metric ideation, and strategic discussions with stakeholders.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Collaborate with analysts and other functions to help bridge business questions and technical (data / computational) solutions.</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience leading experimentation, statistical analysis, and sophisticated measurement (e.g. causal inference) E2E to guide decision making.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Familiarity in R or python - you write reproducible code and have a tendency toward automation.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Hands-on experience with BI/Visualization tools (Looker, Tableau, PowerBI, etc).</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience building metric frameworks to…

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