About the Role

We are looking for a seasoned analyst who is data-driven and has strong analytical & technical skills. In this role, you will work in the loss forecasting and mitigation team and will play a key role in evaluating , monitoring portfolio and forecasting losses (fraud, credit and synthetic ID losses). You’ll work closely with risk, data engineering, analytics, and finance teams and interact with business stakeholders across many departments.

The base salary offered for this role and level of experience will begin at $133,300 and up to $185,100. 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

• Work closely with the team on evaluating , monitoring and forecasting cohort level metrics related to transaction loss provisioning including dispute rates, credits, reversals, chargebacks, recovery rates ,write-offs, etc.,
• Compare actual performance with forecasts and answer ad-hoc performance-related requests from finance/risk (e.g., why are the losses higher than expected and potential recommendations to reduce them)
• Work closely with data engineering to maintain portfolio performance-related data tables and looker views
• Work with analytics to create dashboards and monitor performance across these dimensions and create alerts to highlight any anomalies or unusual loss trends
• Work closely with Data Science and Machine Learning teams to segment customers based on risk and help automate the process of forecasting and loss provisioning

To thrive in this role, you have

• A Bachelor’s degree in Engineering, Math, Finance, or other quantitative disciplines; a Master’s degree with a quantitative focus is a plus
• At least 3+ years of experience in a Risk Analyst/Loss Forecasting role
• 3+ years of analytical experience, preferably at a FinTech company.
• Excellent SQL programming skills, advanced Microsoft Excel skills, experience in Python (or R or SAS or similar language)
• Experience in creating portfolio performance monitoring dashboards using Looker or a similar business intelligence tool
• Exceptional detail-orientation and organizational skills. You are eager to solve challenging analytical problems for the business
• The drive to work in a fast-paced environment and exceed ambitions deadlines while ensuring flawless completion
• A passion for Chime’s mission

A little about us

We created Chime because we believe everyone deserves financial peace of mind. By eliminating unnecessary fees and helping people grow their savings automatically, we’ve empowered millions of Americans to take control of their finances.

Chime is the largest and fastest-growing U.S. player in the challenger-banking space. Through our banking partners, we offer access to bank accounts with fee-free overdraft, provide members the chance to receive early access to their paychecks, help them improve their credit, and more!

We’ve built one of the most experienced leadership teams in Fintech and were recently valued at over $25.5B. We’ve raised over $1.7B in funding from leading investors including Sequoia Capital Global Equities, SoftBank Vision Fund 2, General Atlantic, Tiger Global, Dragoneer, DST, Coatue, Iconiq, Menlo Ventures and others.

What we offer

• 💰 Competitive salary based on experience
• ✨ 401k match plus the usual medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Take Care of Yourself Days
• 🖥 Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of banking service

We know that great work comes from great, and inclusive teams. At Chime, we specifically look for individuals of varying strengths, skills, backgrounds, and ideas. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

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

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