Chance is narrated by Conrad's regular narrator, Charles Marlow, but is characterised by a complex, nested narrative in which different narrators take up the story at different points. The novel is also unusual among its author's works for its focus on a female character: the heroine, Flora de Barral. The narrators describe and attempt to interpret various episodes in the life of Miss de Barral, the daughter of a convicted swindler named Smith de Barral (though this character is famous in the world of the novel as a criminal, he may, at least at first, have been merely an incompetent banker).