Jobs / United States / Chime Financial INC
Senior Data Scientist, Lending
Chime Financial INC · 🇺🇸 San Francisco, CA, USA
Sponsorship verdict
Sponsorship possible
One solid signal, not two — worth applying, and worth asking about sponsorship early.
- Employer is on a government sponsor recordThe US Department of Labor certified 81 H-1B/E-3 labor condition applications for this employer between Oct 2025 and Jun 2026 (latest Jun 2026) — the step every H-1B hire needs first. USCIS also records 20 H-1B approvals in FY2023. Source: LCA disclosure data (US Department of Labor (OFLC)).
- The posting doesn’t mention sponsorshipSilence isn’t a refusal — ask the recruiter before investing much time.
- No salary bar for this routeH-1B has no fixed salary bar: the employer must pay at least the prevailing wage for the role and area. Cap-subject employers enter a lottery weighted by wage level. Source: https://www.federalregister.gov/documents/2025/12/29/2025-23853/weighted-selection-process-for-registrants-and-petitioners-seeking-to-file-cap-subject-h-1b, rules effective 2026-02-27.
- What Chime Financial INC paid sponsored hires in similar roles5 certified filings for “Lead Data Scientist” (Data Scientists) in CA: $207k–$250k, median $245k. Most were filed at wage level IV (60%) — 4 lottery entries, ≈61% projected selection odds for cap-subject employers. The pay stated here ($133,000 — $185,000 USD) is below what this employer usually pays sponsored hires for this role. Source: US Department of Labor LCA disclosure data (Oct 2025 – Jun 2026).
- Confirmed live todayWhen a source last listed this job as open.
US H-1B: cap-subject employers enter a lottery weighted by wage level — Level I gets 1 entry, Level IV gets 4 (DHS projected selection odds ≈15% at Level I to ≈61% at Level IV). Universities and non-profit research employers are cap-exempt. The $100,000 fee for new petitions from abroad is currently blocked by a court order (appeal pending).
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Sponsor Radar — Chime Financial INC
The US Department of Labor certified 81 H-1B/E-3 labor condition applications for this employer between Oct 2025 and Jun 2026 (latest Jun 2026) — the step every H-1B hire needs first. USCIS also records 20 H-1B approvals in FY2023. Source: LCA disclosure data (US Department of Labor (OFLC)).
Past sponsorship or register membership never guarantees sponsorship for this vacancy or for you. Full Sponsor Radar for Chime Financial INC →
About the role
About the role 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. In this role, you can expect to • 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. • 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. • 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. • Apply advanced causal inference, time-series, and forecasting methods to lending questions — origination pacing, adoption, repayment, and retention — plus occasional ML for member segmentation. • 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. • Help establish high-quality eventing to track member behaviors along liquidity and credit journeys through Chime's mobile app. • 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. • Translate complex findings into executive-ready narratives that inspire action and alignment. To thrive in this role, you have • 5–7 years of relevant hands-on experience in product or business data science (FinTech, lending, or credit a plus). • Expert-level SQL ability and proficiency in Python. • Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases. • 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. • 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. • Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix). • Exceptional data storytelling and data visualization ability. Experience with Hex and Looker a plus • Familiarity with building data pipelines using tools like dbt or Airflow. • Familiarity with AI coding tools (such as Claude Code and Cursor). #LI-Hybrid #LI-AM1 Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pa