User Researcher, Risk & Disputes

About the Role

Put members first: That’s the User Research team’s north star. Our research seeks to understand the financial problems Americans face every day, inspires products that help solve those problems, and nurtures the culture of member-obsession that makes Chime the most human-centered financial company. If you’ve ever wondered how digital, physical, and service products intersect with people and their financial lifestyle, the Chime User Research team might just be the best place for you.

We’re looking for a User Researcher to help Chime deepen our understanding of how to decrease financial risk for both our members and the business, as well as improve members’ experience filing and resolving disputes. 

The base salary offered for this role and level of experience will begin at $124,000 and up to $155,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

In this role, you can expect to:

• Conduct thoughtful research on company strategy, products, and services to help our growing base of members with their financial health.
• Work collaboratively with stakeholders from Product, Design, Marketing, and Analytics to understand our members and unearth problems we should be focused on.
• Develop mixed-method research studies that include the stakeholders in every step of the process, from study concept to insight delivery.
• Produce research artifacts that are human-readable and concise to inform what we’re learning about members.
• Act as a champion for high-caliber user advocacy throughout Chime and champion our members first in all decisions

To thrive in this role, you have:

Will have at least 3 years of user research experience for consumer products that have digital experiences 

• Independently designed research studies that have positively influenced user needs and business metrics
• Conducted research collaboratively and showed a passion for processes that engage stakeholders beyond research reports
• Proficiency in communicating user research findings with cross-functional partners to drive impact
• Experience conducting various research methodologies such as survey writing, survey analysis, user interviews, usability testing, journey mapping, diary studies and field studies
• Excellent understanding of the strengths and shortcomings of different research methods, including when and how to apply them during product development
• Experience working in a startup environment. High-growth startups are a strong plus.
• Experience in a Fintech organization is a plus.

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that basic banking services should be helpful, transparent, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. 

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

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

• 🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
• 💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 💰 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!
• 💚 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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know. 

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