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About the Role

We are seeking a Senior Full-Stack Engineer to contribute to Jade, Chime's AI-powered financial assistant. This role involves designing AI capabilities, conversation experiences, and building essential systems for reliability and safety. You will develop member-facing features for financial management and internal tools for AI operations. The position requires continuous learning and adaptation in a rapidly evolving AI landscape.

Responsibilities

Design, build, and scale new capabilities for Jade, Chime's AI-powered financial assistant
Develop agent architectures, prompt strategies, and orchestration patterns that shape how Jade reasons and acts
Build eval frameworks, observability, and guardrail systems that let the team ship with speed and confidence
Partner cross-functionally to solve member pain points and deliver secure, scalable solutions
Improve system reliability through performance tuning and architectural enhancements
Contribute to technical design and maintain high standards across the codebase through code reviews and mentorship
Bring curiosity and initiative to explore how things work and how they can work better

Requirements

5+ years of backend software development experience in production environments
Proficiency with AI tooling and AI native development
Proficiency with Python or comparable frameworks
Experience with transactional databases (e.g., Postgres) and caching systems (e.g., Redis)
Familiarity with architectural patterns in high-scale systems
A strong focus on writing maintainable, well-tested code
A drive to learn and dive deep into technical systems
Bonus: Experience with agent development, fintech, or startup environments

Skills

AI tooling
AI native development
Python
Transactional databases
Caching systems
High-scale systems architecture

Location

Onsite

Work Type

Full-time
Hybrid

Experience Level

Senior

Salary/Compensations

$164,000 - $259,000

Benefits

Bonus
Competitive equity package
Backup child, elder, and pet care
Subsidized commuter benefits
Comprehensive health, financial, and wellbeing benefits
Generous vacation policy
Company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 22 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to family planning reimbursement

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. We're a team of problem solvers, dreamers, and builders with one shared obsession: 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. 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.

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.