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Shivi Vaidyanathan is an experienced data science and risk management professional currently serving as Senior Manager of Credit Risk at Chime since October 2021. Prior to this role, Shivi was a Credit Risk Manager for SpotMe at Chime and held several positions in data science, including Principal Data Scientist at Beacon Street Services and Exelon, as well as Senior Data Scientist at Terbium Labs. Shivi's career began at JPMorgan Chase & Co., where work focused on strategic analytics and risk acquisitions for small businesses. Educational credentials include a Ph.D. in Statistics and a Master's degree in Statistics from The Ohio State University, along with a Bachelor's degree in Electronics and Communications Engineering from the College of Engineering, Guindy.