Analytics Lead, Deposit Fraud Risk

About the Role We are looking for an experienced Credit Risk Data Scientist who is data-driven, has strong analytical and technical skills, and operates with a high degree of ownership. In this role, you will lead the credit strategy that lets Chime lend to people before they have a relationship with us — starting with Instant Loans for new members (top of funnel) and expanding to future unsecured credit products such as credit cards. You'll develop risk policies and strategies to manage credit risk throughout the member lifecycle, and you'll work as a trusted cross-functional partner with product, growth, data engineering, machine learning, and analytics teams, interacting with business stakeholders across many departments. In this role, you can expect to Own credit strategy for new-to-Chime applicants across the member lifecycle, starting with Instant Loans for prospects (top of funnel) and extending to future unsecured products such as credit cards and/or lines of credit Develop and evolve channel-specific credit policies (pre-approval / prescreen, direct mail, open application, referrals, and affiliates) that support growth while balancing risk, unit economics, and member experience Design and continuously iterate acquisition, loan amount / line assignment, pricing, line management, repayment, and collections strategies Leverage credit bureau (e.g., Experian), alternative, and internal Chime data to underwrite applicants with no prior Chime relationship; build credit models and policies hands-on and in partnership with our DSML team Lead test-and-learn: design and read out champion/challenger tests and controlled ramps, and quantify trade-offs among approvals, losses, direct deposit conversion, and lifetime value Partner with Finance and Strategy to size new channels and forecast approval funnels, vintage losses, and unit economics; set launch criteria, guardrails, and expansion triggers Collaborate with data teams to build data infrastructure and early-read mon

About the role Chime's Data Science & Machine Learning team builds the models, services, and platforms behind how millions of members manage and grow their financial lives. We're hiring a Staff AI/ML Engineer on our Lending and Cashflow team to lead the modeling behind cash flow underwriting and surface member insight: using members' transaction and deposit data to make fair, accurate credit decisions for people that traditional credit scores often miss. In this role, you'll build and deploy machine learning systems on some of the richest transactional and behavioral data in fintech, turning it into the credit decisions behind products like MyPay, Instant Loans, and SpotMe. This is a highly applied role: you'll own problems end to end, from framing the question through to a model running in production and moving a metric that matters, and you'll set the technical direction for how Chime underwrites with cash flow data. In this role, you can expect to Lead the design, training, and deployment of deep learning and classical ML underwriting models that turn members' transaction and cash flow data into credit decisions, from approval and line assignment to loss forecasting Take models from problem framing through to production — training, evaluation, deployment, monitoring, and iteration — and stay accountable for how they behave once they're live Design and improve the systems around the model: feature pipelines, batch and real-time inference, monitoring, and retraining Partner with Product, Engineering, Analytics, and Risk to turn ambiguous business problems into ML solutions, and to make sure the solution is the right one Connect model performance to member outcomes and business metrics, and use experimentation to prove impact Set the technical roadmap for Lending ML and raise the bar across the team through design reviews, mentorship, and shared standards for model development, validation, and governance Help identify where AI/ML creates measurable impact for me

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently. The POS Analytics team helps Affirm make its most important growth and investment decisions. We identify opportunities to expand the reach of Affirm’s products, optimize the consumer and merchant experience, and direct resources toward the highest-value opportunities. We own analytics end to end—from goal setting and performance tracking to opportunity sizing, rigorous decision support, and experiment design and measurement. We translate insights into actions that help Affirm grow efficiently and sustainably. The POS Analytics team is looking for an Analytics Lead, Full Stack to support our next phase of growth with major platform partners. In this role, you will drive the growth strategy for these partnerships, identify and size growth opportunities, shape product and investment decisions, and measure the impact of key initiatives. You will work closely with our Strategic Partnerships, Product, Finance, Engineering, and Pricing teams. You should combine exceptional problem-solving and analytical skills with a general manager mindset, strong cross-functional leadership, and deep knowledge of the lending and/or payments space. What you’ll do Own and prioritize the analytics portfolio for a significant product or business area, operating with a business owner mind

At Lyft, our purpose is to serve and connect. We aim to achieve this by cultivating a work environment where all team members belong and have the opportunity to thrive. The Central Market Management organization at Lyft is responsible for accelerating the growth of the business and for delivering our top business/company goals related to marketplace and business performance. Within Central Market Management, the Decisions & Insights team identifies and develops an understanding of our marketplace’s most critical problems & opportunities and creates business & product strategies to address them. We’re looking for an Analytics Lead to drive deep dive business & product analyses and drive growth. The ideal candidate has strong analytical problem solving skills, effective communication skills, and proactively takes ownership of their workstreams. Responsibilities: Develop hypotheses and analytical frameworks for understanding market dynamics and provide recommendations to senior leadership. Influence business strategy and product roadmaps through insightful analytics and business modeling. Be an analytical thought leader. Analyze marketplace product & marketplace trends and provide cross-functional teams with actionable insights on improvements and problem areas. Work in a fast-paced environment and effectively manage time to deliver business impact in a time-efficient manner Partner with Data Science, Product, Engineering, and other teams to deliver business, product, and strategy improvements Be proactive in pursuing opportunities and have a true ownership mindset to get things done Experience: 5+ years experience in management consulting, strategic data science/analytics roles in a technology company, or an equivalent analytical role in a high growth startup Experience in leading high visibility projects and influencing others in a cross-functional team environment Experience in communicating with and presenting to senior leaders and data st

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. About the Revenue team The Revenue team drives Affirm’s top-line growth through strategic partnerships, pricing, and go-to-market execution. We acquire, retain, and expand merchant relationships across eCommerce, in-store, telesales, and the Affirm app. The team leads onboarding, relationship management, and performance optimization to help partners succeed. We deliver value-added solutions, drive adoption, and support long-term business growth by connecting merchants and consumers through Affirm’s products. About the Role We’re looking for intelligent, driven professionals to join our Revenue Analytics team. This team is responsible for comprehensive analyses, reporting, and data solutions to support and grow our Revenue segments. The ideal candidate will have strong analytical and problem solving skills, the ability to craft comprehensive narratives for both internal and external stakeholders, and produce tools and solutions to scale data usage with Revenue. In addition to analytical rigor, the ideal candidate has strong interpersonal skills to work proactively within the organization and with clients to drive forward recommendations. What You’ll Do Optimize decisions and execution with analyses, and communicate to internal and external partners Be a strategic partner with our Client Success and Marketplace Teams as the data SME for respective Revenue segments and merchants for their point-of-sale and Marketplace business Create business cases, insights, and dashboards as well as handle experiments to engage Affirm’s external merchant base; demonstrating Affirm’s value proposition and product performance Create internal analyses to assess Revenue performance, drive recommendations, and inform critical decisions; using insights to serve segment strategy and execution Scale impact Sta

At Lyft, our purpose is to serve and connect. We aim to achieve this by cultivating a work environment where all team members belong and have the opportunity to thrive. The Marketplace organization drives Lyft’s business growth and ensures our marketplace performs reliably and efficiently. Within Marketplace, the Market Insights team is responsible for the health and growth of Lyft’s top regions. We are looking for an analyst to join the Market Insights team to identify key opportunities in these regions and influence strategy across the company. From long-term strategic decisions to weekly agile operations, you will own a range of business-critical work. You will identify our marketplace’s most critical gaps, create business and product strategies to address them, and partner with cross-functional teams to deliver impact. The ideal candidate is proactive, has strong analytical capabilities, and can collaborate effectively across teams. Responsibilities: Become an expert in rideshare marketplace behaviors/trends and support leadership in data-informed business strategies and decisions Leverage data and analytics to identify problems and opportunities in Lyft’s top regions, synthesize the trends and insights, and recommend action plans Operate within rideshare decision-making frameworks with a critical lens, evaluating areas of improvement and business growth opportunities Partner with Data Science, Product, Engineering, and other teams to deliver business, product, and strategy improvements Be proactive in pursuing opportunities and have a true ownership mindset to get things done Experience: Bachelor’s degree with a focus in analytics, statistics, economics, finance, marketing, or other quantitative fields 3+ years experience in management consulting, strategic data science/analytics roles in a technology company, or an equivalent analytical role in a high growth startup Experience analyzing data, extracting key insights and trends, and producing