Staff AI/ML Engineer at Chime (San Francisco, California)

Chime is a fintech company offering banking services and personal loans to millions of members. 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

Key responsibilities

• Lead the design, training, and deployment of deep learning and classical ML underwriting models that turn members' transaction
• Take models from problem framing through to production — training, evaluation, deployment, monitoring, and iteration —
• 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
• 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

Requirements

• A track record of leading the design and deployment of deep learning models in production, including multi-quarter initiatives that span teams
• Classical modeling, evaluation design, and knowing which metric actually answers the question in front of you
• Hands-on experience across the end-to-end ML lifecycle — training, experimentation, optimization, deployment, and monitoring
• Comfort with messy real-world data, including 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 modern ML infrastructure — AWS and tools such as SageMaker, Airflow, Kafka, Redis, and Snowflake —

Location and schedule

• Onsite in San Francisco, California

Salary and benefits

US base salary $246,000 to $340,000 a year. Chime also offers benefits; the full list is on the posting.

How to apply

Apply on the company's own site.