# Lead Data Analyst, MyPay

**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** Chicago, IL, New York, NY, San Francisco, CA
**Role:** Data Analytics
**Salary:** $152k – $210k/yr
**Experience:** 7+ years
**Skills:** SQL, Python, pandas, NumPy, scikit-learn, A/B Testing, Statistical Modeling, Credit Risk Analysis, Loss Forecasting, Data Visualization
**Posted:** 2026-06-08

> Lead Data Analyst driving credit risk strategy for MyPay, owning underwriting, limit assignment, and loss forecasting. Manages a team of analysts and partners cross-functionally to optimize risk/reward trade-offs using advanced analytics and experimentation.

## Job Description

## In this role, you can expect to

- Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
- Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
- Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
- Cross-Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
- Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.

## To thrive in this role, you have

- Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
- Technical Expertise: Expert-level proficiency in SQL for complex data extraction and manipulation. Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.
- Experimentation Mastery: Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
- Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
- Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.

## Compensation & Benefits

- Base salary: $152,000 - $210,000
- Eligible for bonus, competitive equity package, and benefits
- 401k match plus medical, dental, vision, life, and disability benefits
- Generous vacation policy and company-wide paid days off
- Up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents
- Annual wellness stipend
- 1% of time off to support local community organizations

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