Finance Associate

About the role

We’re seeking a Finance Associate to support the Payments function at Chime! In this role, you will play a critical part in ensuring forecasting accuracy while driving forward high-impact strategic and financial initiatives. You’ll partner closely with business leaders and finance team members to provide insights, influence decision-making, and help shape Chime’s financial strategy.

Supporting Cost of Revenue (COR), you will collaborate with cross-functional partners across Strategy, Product, Data, Engineering, and Accounting to drive accuracy, visibility, and predictability in our cost forecasting. You will help design and operationalize scalable forecasting models, improve data pipelines, and ensure alignment between financial models and underlying business drivers.

You will support key COR forecasting areas such as processing, network, and bank-related costs, partnering with stakeholders to understand key drivers like transaction volume, pricing changes, and product evolution. You will also work closely with Accounting during close to validate actuals, explain variances, and ensure financial accuracy.

In addition, you’ll play a key role in the bottoms-up planning and forecasting process, develop financial models and reporting, and proactively identify opportunities to leverage AI and automation to improve forecasting accuracy, scalability, and efficiency. We are looking for an analytical problem-solver who can break down complex problems into actionable components without losing sight of the overall strategy.

The base salary offered for this role and level of experience will begin at $105,000.00 and up to $145,000.00. 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

• Own and improve COR forecasting processes, incorporating key drivers such as transaction volumes, pricing, vendor changes, and product evolution

• Develop, deliver, and maintain Cost of Revenue reporting and dashboards (e.g., vendor costs, transaction drivers) to ensure visibility and accuracy for business and finance leadership

• Partner cross-functionally with Strategy, Product, Data, Engineering, and Accounting to support financial decision-making and accountability

• Support monthly close processes by validating actuals, and explaining variances and business performance across COR categories

• Leverage AI and automation to streamline financial processes, improve data quality, and enhance scalable reporting and forecasting capabilities that support Chime’s growth and enable smarter, faster decision-making

• Support ad hoc analyses and strategic initiatives focused on optimization opportunities across COR

To thrive in this role, you have

• Minimum 3+ years of Finance/FP&A, investment banking, Big 4 accounting/advisory, or consulting experience

• Bachelor's Degree, or equivalent degree in Finance, Accounting, Economics or other relevant field

• Track record of budgeting, forecasting, and financial modeling with strong accuracy and attention to detail

• Strong sense of ownership and commitment to quality, working diligently to navigate ambiguity/obstacles and drive projects to completion

• Strong process-improvement mindset with demonstrated ability to leverage AI and automation to scale finance workflows and improve forecasting precision and turnaround time

• Proven ability to manage multiple priorities and competing deadlines in a fast-paced environment

• Advanced G-Suite, Microsoft Excel, Word, and presentation tools (PowerPoint, G-Slides) skills required

• Experience identifying, designing, or deploying AI-driven use cases within finance workflows (e.g., forecasting automation, reporting acceleration, variance analysis, or scenario modeling)

• Bonus Experience: Pigment, Netsuite, Looker, Workday, SQL, Snowflake, Python/coding tools, and direct experience with R&D and/or transaction loss forecasting

#LI-BE1 #LI-Onsite

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 core banking services should be helpful, easy, 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 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.

• 💻 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!

• 💚 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.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: [email protected].

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