AI/ML Engineer

Chime is a financial technology company focused on helping members achieve financial progress. They are seeking an AI/ML Engineer to contribute to model development and decision systems that enhance risk management and member experiences.

Responsibilities

• Contribute to the design and implementation of training pipeline components for AI/ML models that support Chime’s risk decisioning systems
• Develop, test, and iterate on model features within clear requirements and with support from senior team members
• Support offline model evaluation and contribute to online experiment analysis to understand performance, tradeoffs, and member impact
• Write modular, testable, and maintainable code following engineering best practices
• Collaborate with Product Managers, Engineers, and Risk teams to translate model findings into clear recommendations and measurable member impact
• Contribute to production-facing model workflows, including model training, tuning, inference, and monitoring
• Contribute to projects that apply modern AI/ML methods, such as generative AI, sequence models, and automation workflows, to improve Risk decisioning

Skills

• 1–2 years of experience in applied data science or AI/ML engineering, including relevant internship, academic, or project experience
• Working knowledge of machine learning fundamentals, including feature development, model training, validation, tuning, and evaluation
• Familiarity with cloud platforms, preferably AWS, orchestration tools, and version control
• Familiarity with offline model evaluation, experimentation, and model performance tradeoffs
• Ability to communicate analyses and model findings clearly, clarify requirements, and collaborate effectively with technical and non-technical partners
• Exposure to production ML workflows, including inference, monitoring, retraining, orchestration, model deployment
• Experience using AI-assisted development tools such as Cursor, Claude Code, or similar tools
• Exposure to deep learning methods, such as embeddings, sequence models, representation learning, or behavioral modeling

Benefits

• Full-time employees are also eligible for a bonus, competitive equity package, and benefits.
• 🏢 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.
• 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
• 💰 Competitive salary based on experience
• ✨ 401k match plus great medical, dental, vision, life, and disability benefits
• 🏝 Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

Company Overview

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