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About the Role

Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Membership team, where you'll work across the full stack, building and evolving the features that deepen member engagement, drive retention, and deliver ongoing value through Chime's membership experience. You will own projects end-to-end, from shaping architecture and designing APIs to building polished front-end experiences and maintaining the ongoing health of the code.

Responsibilities

Design, develop, test, and scale features across backend services and front-end surfaces that power membership benefits, rewards, and engagement experiences
Build and iterate on APIs and UI components that deliver a seamless, high-quality member experience in Chime's mobile app
Partner with product, design, data science, and cross-functional stakeholders to understand member needs, define experiments, and ship solutions that move key membership metrics
Apply a metrics-driven mindset to decision-making and prioritize efforts based on member and business impact
Proactively identify opportunities to improve system reliability, performance, and scalability across the stack
Contribute to a culture of technical excellence through mentorship, code reviews, and driving best practices

Requirements

5+ years developing software in a production environment at scale
Proven experience with Ruby on Rails or comparable frameworks
Proficiency with modern front-end technologies (e.g., React, React Native, or TypeScript-based frameworks)
A product mindset with a strong bias toward experimentation, iteration, and measuring impact
A collaborative spirit and strong communication skills, with experience working cross-functionally
Experience working with transactional databases, caching systems, and API design
Comfort working across the stack and a desire to understand how all the pieces fit together
Experience with experimentation frameworks and data-driven product development is a plus

Skills

Ruby on Rails
React
React Native
TypeScript
API design

Location

Remote
Hybrid

Work Type

Full-time

Experience Level

5+ years

Salary/Compensations

$164,000
$227,000

Benefits

Bonus
Competitive equity package
Backup child, elder, and/or pet care
Subsidized commuter benefit
401k match
Medical benefits
Dental benefits
Vision benefits
Life benefits
Disability benefits
Generous vacation policy
Company-wide Chime Days
Company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 24 weeks of paid parental leave for birthing parents
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

About the Company

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.

Equal Opportunity

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