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About the Role

Growth Engineering builds product surfaces and systems to help millions of members unlock financial progress through data-informed experiments. This role focuses on the Early Stage Experience, optimizing the initial journey for new members to become engaged and active. As a Staff Software Engineer, you will be a technical leader, shaping architecture and strategy for high-traffic, member-facing systems, influencing product direction, and driving cross-team initiatives. You will leverage AI and LLMs to enhance productivity, personalize member experiences, and accelerate decision-making.

Responsibilities

Lead the design and implementation of high-impact, member-facing systems across the Growth stack.
Set the technical vision for high-traffic systems with a scalable, forward-looking approach that meets Chime's reliability and latency standards.
Drive experimentation strategy and execution by building the systems and habits to test, learn, and iterate quickly — without sacrificing durability.
Identify and solve systemic challenges in performance, availability, and conversion-critical reliability across the Growth stack.
Collaborate closely with Product, Design, Analytics, and Data to shape product direction and ensure technical feasibility and excellence.
Mentor senior engineers, elevate engineering practices, and drive consistency in quality, architecture, and code craftsmanship across teams.
Represent Chime externally through recruiting, open source, technical talks, or community engagement.

Requirements

10+ years of experience in software engineering.
Deep understanding of system design, service boundaries, and product-engineering tradeoffs, especially in high-traffic consumer systems.
A track record of driving measurable impact on business and engineering goals — ideally in growth, conversion, activation, or other consumer product problems.
Experience with experimentation: test design, instrumentation, analysis, and iterating on results.
Ability to influence technical and product direction across teams and orgs, and to lead through influence rather than authority.
Strong communication and collaboration skills.
Experience working in a fast-paced, product-focused environment (Fintech experience is a plus).

Skills

AI
LLMs

Location

Onsite

Work Type

Full-time
Hybrid

Experience Level

Staff Software Engineer
10+ years of experience

Salary/Compensations

$223,000.00 - $308,000.00

Benefits

Bonus
Competitive equity package
Medical, dental, vision, life, and disability benefits
401k match
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-office perks including backup child, elder, and/or pet care
Subsidized commuter benefit
In-person and virtual events

About the Company

Chime is a financial technology company dedicated to helping everyone achieve financial progress through helpful, easy, and free core banking services.
We empower members with user-friendly tools to manage finances and work towards goals like saving, purchasing a home, or pursuing education.
Our team consists of problem solvers, dreamers, and builders united by a shared commitment to our members.
We operate with an owner's mindset, striving for excellence and accountability.
Our culture encourages boldness, big dreams, risk-taking, collaboration, diverse perspectives, and honest feedback.
We maintain an entrepreneurial spirit, with every employee acting as a steward of our mission.
Integrity is paramount, guiding all our actions to earn and keep trust.
Our values are embedded in our business, directing us to help millions achieve their financial potential.

Equal Opportunity

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.
We will also consider qualified applicants with criminal histories in a manner consistent with applicable laws.
If you require accommodation during the application process due to a disability or special need, please contact benefits@chime.com.