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We're seeking a Senior Finance Manager, Payments to own the Cost of Revenue 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.

As the leader of the Cost of Revenue function at Chime, you will own the strategy, execution, and continuous improvement of COR forecasting and financial operations. You will build and lead a high-performing team, setting the vision for how we think about cost structure and the tradeoffs between revenue growth and cost efficiency across the business.

You will serve as a trusted strategic partner to senior leaders across Product, Banking Partnerships, Data, Engineering, and Accounting going beyond forecast accuracy to shape how Chime evaluates the financial viability and economics of new product launches, features, and initiatives. You'll instill frameworks that help cross-functional partners understand cost implications early in the decision-making process, ensuring financial rigor is embedded in how we build and scale.

You will lead coverage of key COR areas including processing, network, and bank-related costs, bringing a deep understanding of the drivers including transaction volume, pricing dynamics, vendor relationships, and product evolution that influence our cost structure. In this capacity, you will also play an active role in vendor contract negotiations and renewals, partnering with Legal, Procurement, and business stakeholders to optimize terms and drive cost efficiency at scale.

You will oversee the monthly close process in partnership with Accounting, ensuring the integrity of actuals, variance explanations, and financial reporting across all COR categories. Beyond the close, you will drive the bottoms-up planning process and establish scalable, repeatable forecasting frameworks - leveraging AI and automation to enhance precision, reduce manual effort, and position the team to operate effectively as Chime grows.

The base salary offered for this role and level of experience will begin at $173,000 and up to $240,000. 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.

• Lead and evolve the COR forecasting function, setting the strategic direction for how we incorporate key drivers such as transaction volumes, pricing dynamics, vendor changes, and product evolution into our financial models
• Own the development and continuous improvement of Cost of Revenue reporting and dashboards, ensuring senior business and finance leaders have timely, accurate visibility into vendor costs, transaction drivers, and overall COR performance
• Act as a senior cross-functional partner to leaders across Product, Data, Engineering, and Accounting, driving financial accountability and influencing key decisions with rigorous analysis and clear cost frameworks
• Lead the monthly close process in partnership with Accounting, owning variance explanations, performance narratives, and financial accuracy across all COR categories
• Champion the adoption of AI and automation across the COR function, identifying and deploying scalable solutions that improve data quality, forecasting precision, and reporting efficiency to support Chime's growth
• Drive strategic initiatives and ad hoc analyses across COR, identifying optimization opportunities and translating findings into actionable recommendations for senior leadership

• 8+ years of relevant experience in Strategic Finance, FP&A, investment banking, private equity, consulting, venture capital or a related field, ideally within a high-growth technology environment
• Bachelor's Degree, or equivalent degree in Finance, Accounting, Economics or other relevant field
• Proven experience leading and developing high-performing finance teams, with the ability to set vision, coach talent, and drive accountability
• Track record of owning end-to-end budgeting, forecasting, and financial modeling with a strong emphasis on accuracy, scalability, and business impact
• Demonstrated ability to influence senior stakeholders and drive cross-functional alignment on complex financial and strategic decisions
• Strong process-improvement mindset with demonstrated ability to leverage AI and automation to scale finance workflows and improve forecasting precision and turnaround time
• Experience identifying, designing, or deploying AI-driven use cases within finance workflows such as forecasting automation, reporting acceleration, variance analysis, or scenario modeling
• Advanced G-Suite, Microsoft Excel, Word, and presentation tools (PowerPoint, G-Slides) skills required
• Bonus Experience: Pigment, Netsuite, Looker, Workday, SQL, Snowflake, Python/coding tools, and direct experience with Cost of Revenue, transaction economics, or vendor contract management

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