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About the Role

As a Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This role is for engineers who want to own more than a single service or feature area, leading technical initiatives that cut across products, platforms, and partner teams to shape the evolution of Lending as a system. You’ll design and build backend systems where correctness, reliability, speed, and operational rigor are paramount, partnering closely with cross-functional teams to turn ambiguous opportunities into durable solutions and influence technical direction.

Responsibilities

Independently own and deliver features end-to-end
Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
Collaborate with cross functional teams to understand member pain points and come up with solutions
Proactively identify opportunities for improving the reliability and scalability of our systems
Work across the engineering team to improve and uphold high technical standards
Grow into owning larger components of the system over time

Requirements

3+ years building and operating production software at scale
Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
Strong grasp of relational databases and caching, including safe schema changes/migrations
Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
Start-up experience a plus

Location

Remote
Hybrid

Work Type

Full-time

Experience Level

3+ years

Salary/Compensations

$133,000 - $184,000

Benefits

Bonus
Competitive equity package
Backup child, elder, and/or pet care
Subsidized commuter benefit
401k match
Great medical, dental, vision, life, and disability benefits
Generous vacation policy
Company-wide Chime Days
Bonus 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.

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.