Staff Data Scientist, Product Marketing

About the role

Chime is looking for a Staff Data Scientist to establish the analytical direction for Product Marketing (PMM). As PMM's dedicated analytics partner, you will help leaders forecast card demand, understand how members discover and activate Chime products, and connect member research with behavioral evidence to guide strategy and investment.

Your work will span three priorities. You will evolve card demand planning into a rigorous, repeatable forecasting process. You will build on existing research and analytical prototypes to establish reliable measurement of product activation and the member lifecycle, from account opening and first direct deposit through adoption, engagement, and retention. You will also partner with Research to translate qualitative findings into testable hypotheses and assess how broadly those findings apply across the member population.

As a Staff individual contributor, you will define ambiguous problems, set analytical standards, and deliver practical solutions. You will establish a prioritized roadmap with PMM leadership and partner with Product, Growth Analytics, Research, Card Operations, Finance, Data Engineering, and Enterprise Data & Metrics to turn analytical work into trusted data products and business decisions.

In this role, you can expect to

Build reliable card demand forecasting

• Own the methodology for card demand forecasting, translating business planning needs into appropriate forecast horizons, granularity, refresh schedules, and performance measures.
• Develop and evaluate time-series and driver-based models incorporating member growth, product launches, marketing activity, seasonality, replacement demand, and other relevant inputs.
• Establish historical backtesting, benchmark comparisons, forecast bias and error monitoring, and uncertainty estimates. Investigate misses and continuously improve performance.
• Partner with PMM, Card Operations, and Finance to translate forecasts into planning scenarios and assess implications for inventory, supplier lead times, cost, and service risk.
• Build reproducible forecasting workflows with documented assumptions, stakeholder inputs, monitoring, and clear ownership.

Establish product activation and member lifecycle measurement

• Define measurement frameworks for product discovery, activation, adoption, and sustained engagement across the member lifecycle, accounting for cohort, tenure, eligibility, and member segment.
• Build on existing activation research and analytical prototypes to establish production-ready measurement, including cohort analyses anchored to milestones such as first qualifying direct deposit.
• Evaluate proposed operating metrics, including Activated Member Rate, assessing product selection, thresholds, observation windows, sensitivity, and relationships with downstream engagement and retention.
• Balance timely operational signals with cohort maturity and analytical validity. Distinguish predictive relationships from causal evidence and identify where further validation is needed.
• Identify friction and drop-off across onboarding and cross-product journeys, size opportunities, and recommend actions to improve activation and sustained use.

Connect member research with quantitative evidence

• Partner with User Research and PMM to translate qualitative findings about member needs, motivations, and barriers into testable hypotheses.
• Use behavioral data, segmentation, funnel analysis, and statistical methods to assess the prevalence of research findings and how they differ across member groups.
• Combine qualitative and quantitative evidence to guide positioning, messaging, onboarding, and product adoption strategies.
• Design, power, and interpret experiments to evaluate these strategies, coordinating analytical ownership with Product and Growth Analytics.
• Apply appropriate causal inference methods when randomization is not feasible, clearly communicating assumptions, uncertainty, and limitations.
• Identify where behavioral evidence and research findings diverge, and recommend follow-up analysis or research to resolve the gaps.

Lead analytical strategy and influence decisions

• Establish PMM's analytics roadmap, balancing urgent forecasting needs with foundational measurement and longer-term strategic questions.
• Set standards for forecasting, experimentation, metric validation, and interpretation within your scope.
• Influence VP-level and executive decisions through clear recommendations, scenario analysis, and compelling written and verbal communication.
• Resolve conflicting assumptions, definitions, and priorities across PMM, Product, Growth, Finance, and other partners.
• Use AI tools to accelerate analysis, coding, and research synthesis while validating outputs and maintaining reproducibility.
• Raise the analytical bar through methodological guidance, peer review, and reusable tools and approaches.

To thrive in this role, you have

• A bachelor's degree in a quantitative field such as Statistics, Economics, Mathematics, Computer Science, Operations Research, or a related discipline, or equivalent practical experience.
• Extensive experience in analytics or data science, with a track record of independently setting analytical direction, solving ambiguous problems, and influencing decisions across multiple teams.
• Hands-on experience building and operating demand forecasts used in business planning. You can explain how you selected methods, evaluated performance, quantified uncertainty, investigated errors, and incorporated stakeholder inputs.
• Strong knowledge of time-series analysis, regression, statistical modeling, and forecasting evaluation, with sound judgment about when a simple approach is sufficient.
• Experience measuring consumer product activation, adoption, engagement, and retention through cohort analysis, lifecycle measurement, and funnel analysis.
• Strong experimentation and causal inference skills, including the ability to distinguish observational patterns, predictive signals, and evidence of incremental impact.
• Expert SQL and advanced Python or R skills, with experience working with large datasets in cloud warehouses such as Snowflake.
• Experience translating analytical prototypes into recurring workflows, reliable data models, and decision tools in partnership with data teams.
• A track record of influencing senior leaders, establishing priorities, and building productive relationships across business and technical teams.
• Clear communication with nontechnical audiences, including the ability to explain uncertainty and turn findings into actionable recommendations.
• Comfort serving as a dedicated analytical partner while collaborating across a centralized Data Science and Analytics organization.

#LI-AM1 #LI-Onsite

Pay and benefits

Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice $152,000 - $210,000 USD

Because if we don't-who will?

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

What we offer for our full-time, regular employees

• Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you're coming in regularly or are part of our fully remote program, you'll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

• We know that great work can't be done without a diverse team and inclusive environment.
• That's why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team.
• We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

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