About the role 

In this role, you’ll be a part of the Data Science and Machine Learning (DSML) team that builds the next generation banking machine learning platform that influences every transaction to combat fraud and establishes risk controls to contribute to a world class member experience. You’ll contribute to Chime’s growing machine learning automation/decision making efforts, which includes building and deploying production ML models (data wrangling, feature engineering, model training, batch and transactional inference) as well as model monitoring and alerting. You will be able to use your expertise in statistical analysis, ML, and anomaly detection to help Chime combat fraud and reduce financial risk to the company.

For Colorado based roles: In accordance with applicable law, this role has an annual starting salary of $183,499 plus bonus, a competitive equity package, and benefits (see below). The actual pay may be higher depending on your location, skills, qualifications, and experience.

In this role, you can expect to

• Understand and become an expert regarding Chime’s potential risks related to fraud and apply relevant ML approaches to address these problems in impactful ways
• Creatively leverage new and existing data to increase the effectiveness and efficiency of our decision-making infrastructure
• Partner with ML platform engineers to design machine learning solutions that operate quickly and effectively at scale
• Proactively identify opportunities for using ML, work on uncertainties ,and drive projects end to end independently with a focus on results
• Lead efforts to build the next generation of data products at Chime
• Uplevel the DSML team through knowledge sharing, contributing to process improvements and developing internal tools 

To thrive in this role, you have

• 4+ years industry experience (consumer tech preferred) developing machine learning models from inception to business impact 
• M.S. or Ph.D. in Machine Learning or STEM field, with experience building production ML pipelines (development, deployment, inference and monitoring) at scale 
• Deep understanding of and experience with a variety of machine learning techniques such as classifiers, recommenders, statistical models, etc.
• Prior experience with developing ML solutions for fraud detection 
• Demonstrable experience with ML/DL  toolkits: Keras, PyTorch, Tensorflow, scikit-learn, SparkML etc and other service such as Kafka, Redis, MySQL, Postgres, Spark, AWS, Snowflake and Looker, among many others
• Strong programming skills (Python preferred) with intermediate to advanced knowledge of SQL and the ability to wrangle data from many disparate data sources
• A team player attitude with the ability to communicate clearly with both technical and non-technical stakeholders

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
• 📝  Quarterly stipend to spruce up your home office
• 🏝 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 the Chime Applicant Privacy Notice.

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