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About the Role

As a Senior Software Engineer in Lending, you will work at the intersection of member-facing products and the platforms that enable them. This role is for engineers who want to own more than a single service or feature area. You will lead technical initiatives that span products, platforms, and partner teams, helping shape the evolution of Lending as a system. You will design and build backend systems where correctness, reliability, speed, and operational rigor are paramount. You will collaborate closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to transform ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and elevate the standards for how Lending engineers collaborate.

Responsibilities

Lead end-to-end architecture and delivery of backend systems connecting member-facing lending products with shared platforms.
Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration.
Own technical problems with significant business and member impact, bringing structure and clarity to ambiguous situations.
Define and evolve APIs, integration patterns, and data contracts to enable faster product team velocity without compromising safety or correctness.
Design for scale, resiliency, observability, and operational excellence, including robust handling of failures, retries, reconciliation, auditability, and edge cases.
Identify opportunities to convert one-off product needs into reusable platform capabilities that enhance future velocity across Lending.
Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions.
Influence how product and platform teams collaborate by clarifying ownership, reducing integration friction, and improving technical decision-making across boundaries.
Participate in on-call and incident response, leading efforts to implement lasting improvements based on production lessons.
Mentor other engineers through design reviews, technical feedback, and hands-on partnership.
Contribute to roadmap and strategy discussions by identifying platform investments that can unlock multiple product outcomes.

Requirements

8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end.
Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production.
Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture.
Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability.
A track record of leading complex projects that span multiple teams, systems, or business workflows.
Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor are critical.
A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward.
Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams.
A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes.
Experience mentoring engineers and helping teams improve design quality, testing, operational excellence, and engineering ownership.
Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time.

Skills

Ruby on Rails
API development
Distributed systems
Transactional databases
Asynchronous processing
Caching
Large-scale application architecture
System design
Fintech
Lending
Banking
Payments
Risk management
Communication
Collaboration
Mentoring
Underwriting
Eligibility
Line assignment
Limits
Repayments
Collections
Servicing
Decisioning
Capital markets workflows
Reconciliations
Ledgering
Accounting interfaces
Partner integrations
Bank integrations
Experimentation
Analytics
Data-informed systems

Location

Remote

Work Type

Hybrid
Remote
Full-time

Experience Level

Senior
8+ years

Salary/Compensations

$164,000 - $259,000

Benefits

Bonus
Competitive equity package
401k match
Medical benefits
Dental benefits
Vision benefits
Life benefits
Disability benefits
Generous vacation policy
Company-wide Chime Days
Bonus company-wide paid days off
1% of 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
In-person and virtual events
Backup child, elder, and/or pet care
Subsidized commuter benefit

About the Company

Chime is a financial technology company, not a bank, focused on providing helpful, easy, and free core banking services.
The company empowers members to take control of their finances and work towards their goals through user-friendly tools and intuitive platforms.
Chime has helped millions unlock their financial potential by assisting with savings, purchasing homes or cars, and launching businesses.
The team consists of problem solvers, dreamers, and builders united by a shared commitment to their members.
Chimers operate with an owner's mindset, striving to deliver the best possible experience and holding themselves accountable to high standards.
The company culture encourages boldness, big dreams, risk-taking, collaboration, embracing diverse perspectives, and giving honest feedback.
Chime maintains an entrepreneurial spirit, with every employee acting as a steward of the mission to help everyday Americans achieve financial progress.
The company upholds the highest standards of integrity to earn and keep trust, with values embedded in every aspect of the business.
Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

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 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.