2 months ago
Base Salary
$164k - $259k/yr
Responsibilities
- Lead end-to-end architecture and delivery of backend systems connecting lending products with shared platforms and core financial systems.
- Drive complex cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration.
- Define and evolve APIs, integration patterns, and data contracts.
- Design for scale, resiliency, observability, failure handling, retries, reconciliation, auditability, and edge cases.
- Turn one-off product needs into reusable platform capabilities across Lending.
- Partner with Product, Design, Risk, Data Science, Analytics, Finance, and Operations.
- Influence ownership, collaboration, technical decision-making, and product-platform integration across teams.
- Participate in on-call and incident response and convert production lessons into lasting improvements.
- Mentor engineers through design reviews, technical feedback, and hands-on partnership.
- Contribute to roadmap and strategy discussions involving platform investments and product outcomes.
Requirements
- 8+ years of experience building and operating production software at scale, with end-to-end backend ownership.
- Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, plus production API and distributed-systems experience.
- Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture.
- Strong system-design judgment across correctness, scalability, resiliency, speed, and maintainability.
- Experience leading complex projects spanning multiple teams, systems, or business workflows.
- Experience in fintech, lending, banking, payments, risk, or other high-integrity domains.
- Ability to operate with high ownership and ambiguity, create clarity, drive alignment, and move work forward.
- Strong communication and collaboration skills across engineering and cross-functional teams.
- Product mindset and ability to connect technical decisions to member experience and business outcomes.
- Experience mentoring engineers and improving design quality, testing, operational excellence, and engineering ownership.
- Nice-to-have experience with underwriting, eligibility, repayments, collections, servicing, decisioning, capital markets, reconciliations, ledgering, accounting interfaces, partner or bank integrations, experimentation, analytics, internal tooling, or shared platform capabilities.
Benefits
- Hybrid in-office policy of four days per week with Fridays from home near company offices, plus a fully remote program for eligible employees.
- Backup child, elder, and pet care and a subsidized commuter benefit.
- 401(k) match and medical, dental, vision, life, and disability benefits.
- Generous vacation policy and company-wide paid Chime Days.
- Annual wellness stipend and paid community-service time.
- Up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
- Access to Maven with up to $15,000 lifetime reimbursement for egg freezing, fertility treatments, adoption, and related services.
- In-person and virtual employee events and snack boxes.
Tech Stack
RubyRuby on Rails
Categories
About Chime
Chime builds a consumer banking app offering checking and savings accounts with a debit card, early direct deposit, fee-free overdraft, and a secured credit-builder card, delivered via partner banks The Bancorp Bank, N.A. and Stride Bank, N.A. It earns primarily from interchange on card transactions rather than monthly fees. Founded in 2012 and based in San Francisco, the company serves millions of U.S. customers and is privately held.