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About the Role
Chime's Lending organization develops products and platforms that provide members with access to fair, transparent credit and liquidity. This includes systems for Earned Wage Access, overdraft protection, and instant loans, as well as the underlying infrastructure for credit decisions, funding, repayments, and servicing. The role offers a meaningful problem to solve, significant ownership, strong cross-functional partnerships, and the opportunity to build and lead a team.
Responsibilities
- Author and ship scoped, incremental features hands-on
- Own the squad's technical direction, architecture, and code quality
- Lead technical design discussions, code reviews, and technical planning
- Identify technical debt and advocate for sustainable engineering practices
- Provide full people management for 3–5 direct reports, including 1:1s, career coaching, performance feedback, and promotion decisions
- Drive hiring and staffing for the squad, building an inclusive, high-performing team
- Mentor product engineers on technical and product growth
- Build a path for engineers on the squad toward Staff Engineer or a future TLM role
- Partner with Product and Design on sprint scope and delivery commitments
- Surface technical dependencies and capacity needs into quarterly planning
Requirements
- Direct experience in lending, payments, or other regulated financial/transactional systems
- Managed engineers directly with full people-management ownership for a small team, while staying hands-on technically
- Use AI coding tools and workflows as a core part of how you build and lead
- Track record of introducing AI-driven practices that measurably improved a team's velocity
- Can tie-break technical disagreements and make speed-vs-durability calls under real delivery pressure
- Partner closely with a PM and Design on scope, dependencies, and quarterly planning
- Bias toward ownership and action over process
- Comfortable being the one person accountable for both what ships and how the team is doing
- Hold a high quality bar through design and code review rather than delegating it entirely
Skills
- AI coding tools
- Technical leadership
- People management
- Mentoring
- Agile methodologies
- Financial systems
- Lending
- Payments
Location
- Onsite
Work Type
- Full-time
- Hybrid
Experience Level
- Manager
- Senior
Salary/Compensations
- $199,000.00 - $275,000.00
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 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. Banking services 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: accommodations@chime.com.