23 hours ago
Base Salary
$246k - $340k/yr
Responsibilities
- Lead the design, training, and deployment of deep learning and classical ML underwriting models for approval, line assignment, and loss forecasting.
- Own models from problem framing through production, including training, evaluation, deployment, monitoring, and iteration.
- Design and improve feature pipelines, batch and real-time inference, monitoring, and retraining systems.
- Partner with Product, Engineering, Analytics, and Risk to translate ambiguous business problems into ML solutions.
- Connect model performance to member outcomes and business metrics and use experimentation to demonstrate impact.
- Set the technical roadmap for Lending ML and raise team standards through design reviews, mentorship, model validation, and governance.
- Identify opportunities where AI/ML can create measurable member impact and determine when simpler solutions are preferable.
Requirements
- Track record leading the design and production deployment of deep learning models, including multi-quarter initiatives spanning teams.
- Strong machine learning fundamentals, including classical modeling, evaluation design, metric selection, and model design judgment.
- Hands-on experience with the end-to-end ML lifecycle, including training, experimentation, optimization, deployment, and monitoring.
- Experience handling real-world data issues such as label definition, leakage, class imbalance, and train/serve skew.
- Strong proficiency in Python and SQL, with deep learning frameworks such as PyTorch and distributed compute such as Spark or PySpark.
- Working knowledge of AWS and ML infrastructure tools such as SageMaker, Airflow, Kafka, Redis, and Snowflake.
- Ability to operate independently, influence technical direction beyond the immediate team, and clearly explain model decisions to engineers, risk partners, and senior leaders.
- Preferred experience includes credit or underwriting models, model governance, explainability, fairness requirements, cash flow or alternative-data underwriting, and deploying transformer models in production.
Benefits
- Four days per week in the office with Fridays from home for employees near an office, or participation in a fully remote program depending on location.
- Backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- Comprehensive health, financial, and wellbeing benefits.
- Generous vacation policy and company-wide paid days off.
- Up to 1% of time off to support local community organizations.
- Annual wellness stipend.
- Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
- Family planning reimbursement.
- Full-time employees may be eligible for bonuses, equity, and other benefits.
Tech Stack
Categories
About Chime
Chime builds a consumer banking app offering checking and savings accounts with a debit card, early direct deposit, fee-free overdraft, and a secured credit-builder card, delivered via partner banks The Bancorp Bank, N.A. and Stride Bank, N.A. It earns primarily from interchange on card transactions rather than monthly fees. Founded in 2012 and based in San Francisco, the company serves millions of U.S. customers and is privately held.