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| Job Category : | Business |
| Company Name: | Chime |
| Position Name: | Lead Credit Risk Analyst, Credit Builder |
| Location : | San Francisco, CA |
| Job Description : | About the RoleWe are looking for a seasoned Credit Risk Analyst who is data-driven and has strong analytical & technical skills. In this role, you will report to our Director of Credit Risk and lead the team in developing risk policies and strategies for our secured credit card (Credit Builder) and other related products that help build credit scores for our members. You’ll work closely with product, data engineering, machine learning, and analytics teams and will interact with business stakeholders across many departments.For Colorado based roles: In accordance with applicable law, this role has an annual starting salary of $172,000 plus bonus, a competitive equity package, and benefits. The actual pay may be higher depending on your location, skills, qualifications, and experience.In this role, you can expect toBe responsible for end to end risk management of Credit Builder and other initiatives that help build member’s credit scoresDevelop and refine credit policies to support delinquent account management, write offs and bankruptcies. Work with credit furnishing and bank partners to implement these policiesProficient level of knowledge about credit reporting and the legal guidelines of Bankruptcy. Experienced in leveraging resources to confirm or update knowledge with any process that is heavily regulated by government laws, rules, or regulationsCollaborate with XFN teams to manage all financial risks associated with credit builder including force posts, synthetic accounts, incentives and cash back rewardsCollaborate with various data teams to build data infrastructure and reporting dashboards that help understand Credit Builder risk trendsSupport evaluation of financial risk related to integration of other credit products like SpotMe on credit builder, loan access for credit builder rewards customersLeverage external and internal Chime data to track effectiveness of credit builder in improving members scores and ability to obtain creditTo thrive in this role, you haveA Bachelor’s degree in Engineering, Math, Finance, or other quantitative disciplines; a Master’s degree with a quantitative focus is a plus5+ years of analytical experience in Financial Services, preferably at a FinTech company2+ years of experience leading projects with deep expertise in building and managing risk strategies of various credit products like loans, lines of credit, credit cards etc.,.Experience with credit furnishing, bankruptcies, delinquency and write off policiesHands-on detail-oriented leader with exceptional communication skills.Excellent SQL programming skills, advanced Microsoft Excel skills, experience in Python (or R or SAS or similar language) and working in Looker or a similar business intelligence toolAbility to work in a fast-paced environment and exceed ambitions deadlines while ensuring flawless completionA strong passion for Chime’s mission and solving challenging analytical problems for the businessA little about usWe 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 offerCompetitive salary based on experience✨ 401k match plus the usual medical, dental, vision, life, and disability benefitsQuarterly stipend to spruce up your home officeGenerous vacation policy and company-wide Take Care of Yourself DaysVirtual 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 the Chime Applicant Privacy Notice.LI-NR1#LI-RemoteJob Type: Full-time |
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