Senior Data Scientist, Membership

About the role

In this role you will define how Chime measures membership value and the drivers of direct-deposit retention — and lead the strategic analyses that shape decisions made by senior leaders across the company. Chime's Membership XFN owns end-to-end DD retention by making membership more valuable, more flexible, and more resilient across the member lifecycle, spanning tiering and eligibility, benefits and value realization, tier transitions, retention/resurrection, and resilience experiences that support members through transitions like job loss. You'll set the agenda for understanding how members experience and realize value from their membership, what's working and what isn't, and what those signals mean for Chime's product and business — framing the questions others aren't yet asking. By driving deep dive analysis on the trends you uncover in Chime's data, you'll not only explain why retention and value-realization metrics move but shape the strategy your partners pursue in response. This is a role where you'll think holistically about the member lifecycle, operate as a strategic partner to leaders across the company, and still be in the data to discover the story behind the metrics.

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.

In this role, you can expect to

• Define and own the measurement framework for Chime's membership metrics — the definitions, methodology, and read-outs that other analytics teams and stakeholders across Product, Engineering, Design, Marketing/LCM, Risk, and Research rely on as the source of truth, with DD Retention as the north star and membership value realization, retention, and tier-related outcomes as supporting metrics.

• Set the strategy for how Chime understands membership tiering and eligibility, benefit value realization, tier transitions, and resilience experiences. Unlike anyone else, you will anticipate changes in how members move through the lifecycle, build the understanding for why, and shape what leaders do in response.

• Be the arbiter of truth with data. You'll raise the methodological bar for the highest-stakes analyses and define what "good" looks like for how the organization understands DD retention and membership value across the Benefits, Expansion/Eligibility, and Resilience/In Between Jobs squads.

• Partner widely and at altitude. You'll be a strategic thought partner to leaders across Product, Engineering, Design, Marketing/LCM, Risk, and Research — pressure-testing what's worth doing, not just answering the questions handed to you. The stronger these partnerships, the more successful you and Chime will be.

• Ask why a lot, and raise the bar for those around you. Your proactive inquisitiveness, supported by your data dexterity, means you lead first-of-its-kind analyses and mentor the data scientists around you to do the same.

To thrive in this role, you have

• 5-7 years in data-focused roles, leading analyses or building data tools that shape the decisions of an executive audience and frame the trade-offs leaders weigh.

• Deep proficiency in retention and lifecycle metrics — engagement, value realization, tier transitions, and the leading indicators of member resilience — enough to set the narrative, not just report it. Familiarity with measuring membership or subscription-style value across a lifecycle is a strong plus.

• Extensive stakeholder management experience at the Director/VP+ altitude, and a clear Northstar for how Analytics partners with and influences product, engineering, and risk teams.

• Expertise in SQL — you innately translate business questions to queries, understand the edge cases of joins, and with dexterity explore a warehouse to find data most appropriate to the problem.

• Analytics engineering depth — you have built data models in dbt that you and others rely on, and you set standards for how the team creates durable data products.

• Sound statistical inference skills, with the ability to communicate uncertainty appropriately to senior business partners and raise the methodological bar for others. Experience designing and interpreting experiments (A/B tests) is valued.

• A focus on impact — you don't stop with just recommendations but ensure to see work through to changing the product, and you multiply that impact by mentoring the data scientists around you.

#LI-Hybrid #LI-AM1

A little about us

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.

What we offer for our full-time, regular employees

• 🏢 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.

• 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.

• ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.

• 🏝 Generous vacation policy and company-wide paid days off

• 🫂 1% of your time off to support local community organizations of your choice

• 👟 Annual wellness stipend to use towards eligible wellness related expenses

• 👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

• 👪 Access to family planning reimbursement

• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

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: benefits@chime.com.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.