Job Description

About the Role

Chime is on a mission to provide members with access to innovative, responsible credit-building products. A critical component of this mission is ensuring that our credit reporting and tradeline furnishing processes are accurate, timely, and compliant with regulatory and industry standards.

As Lead Product Operations Manager, Credit Furnishing & Bureau Strategy , you will serve as Chime’s primary subject matter expert (SME) on credit reporting, responsible for driving strategy, optimizing operational processes, and deepening relationships with credit bureaus. This high-impact role sits within the Product Operations team in the Product organization, requiring deep expertise in credit bureau engagement, Metro2 formatting, the Fair Credit Reporting Act (FCRA), and data furnishing best practices.

You will work cross-functionally with Product Management, Business Development, Engineering, Legal, Compliance, Risk, and Operations teams to establish a centralized, proactive bureau strategy. Your role will include identifying opportunities to build or buy the necessary capabilities and infrastructure to enhance Chime’s credit data furnishing processes. This is a highly strategic and operationally complex role that will directly impact Chime’s ability to help members build and improve their credit profiles effectively.

This role is critical to shaping Chime’s long-term credit furnishing strategy and ensuring that our members receive the best possible credit-building experience. By centralizing bureau engagement, optimizing furnishing processes, and identifying opportunities to scale Chime’s capabilities, you will play a key role in strengthening our position in the industry and delivering meaningful credit outcomes for our members.

If you are a credit reporting expert who thrives in a fast-moving, collaborative, and impact-driven environment, we’d love to hear from you!

The base salary offered for this role and level of experience will begin at $157,590 and up to $218,900. 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 Chime’s Credit Furnishing & Reporting Strategy

• Act as the primary SME on Metro2 reporting, credit bureau policies, and regulatory compliance (FCRA) across all Chime products.
• Design, implement, and scale Chime’s credit furnishing framework to improve reporting accuracy, reduce disputes, and enhance member outcomes.
• Identify gaps in current capabilities and recommend whether Chime should build or buy solutions to streamline furnishing processes.
• Partner with Product and Engineering teams to develop automation, monitoring, and reconciliation for furnished credit data.
• Develop internal KPIs, SLAs, and performance benchmarks to measure bureau engagement and reporting effectiveness.

Manage & Strengthen Credit Bureau Relationships

• Serve as Chime’s primary liaison to credit bureaus (Experian, TransUnion, Equifax), strengthening partnerships and advocating for members.
• Drive strategic discussions around new credit products, reporting structures, and bureau data integrations.
• Negotiate and evaluate bureau service offerings, identifying opportunities for Chime to leverage new bureau capabilities for improved member credit-building experiences.
• Proactively monitor industry trends and regulatory updates, ensuring Chime remains at the forefront of best practices.

Centralize Bureau Operations & Internal Escalation Processes

• Establish a structured, centralized escalation process to efficiently address credit furnishing discrepancies, disputes, and bureau-related issues.
• Partner with Compliance, Legal, and Risk teams to ensure all furnishing policies, procedures, and controls meet regulatory standards.
• Work closely with Operations and Member Services teams to streamline dispute resolution processes and improve member support related to credit reporting.
• Develop and maintain dashboards and reporting tools to provide real-time visibility into bureau performance and data furnishing health.

Drive Cross-Functional Bureau Strategy & Product Integration

• Align Product, Engineering, Business Development, Compliance, and Risk teams around a unified, proactive approach to credit bureau engagement.
• Act as a strategic thought partner to Product Managers in designing and launching new credit-related features, ensuring compliance and operational feasibility.
• Partner with Business Development to evaluate potential third-party vendors, bureau partnerships, and technology integrations that enhance Chime’s capabilities.
• Identify and drive opportunities for process automation, infrastructure improvements, and operational scalability in tradeline reporting.

To thrive in this role, you have

• 8+ years of experience in financial services, with a focus on credit furnishing, data reporting, or credit bureau operations.
• Deep knowledge of Metro2 reporting, FCRA compliance, and credit bureau engagement strategies.
• Proven ability to develop and execute bureau engagement strategies that enhance data accuracy and operational efficiency.
• Experience working closely with Product, Engineering, Business Development, Compliance, Legal, Risk, and Operations teams in a fast-paced, cross-functional environment.
• Strong analytical skills and experience with data-driven decision-making (SQL, Looker, or other BI tools a plus).
• A proactive and strategic mindset, with the ability to identify opportunities for building or buying capabilities that optimize Chime’s credit furnishing infrastructure.
• Excellent project management and execution skills, with the ability to drive cross-functional initiatives and process improvements.
• Strong ability to influence and foster relationships with both internal stakeholders and external partners.
• Passion for helping people build better financial futures through responsible credit reporting.

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 the Chime Applicant Privacy Notice.

#LI-Hybrid #LI-JL1

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