Chime

Staff Full-Stack Software Engineer, AI & App Experience

Chime
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6 days ago
San Francisco, CA, USA or New York, NY, USAStaff+
H1B Sponsor

Base Salary

$223k - $308k/yr

Responsibilities

  • Set technical direction and architecture for LLM-based agent systems, prompt strategies, and orchestration patterns used by Jade.
  • Design, build, and scale member-facing AI capabilities from prototype through production.
  • Build evaluation frameworks, observability, and guardrail systems for safe and reliable LLM-powered features.
  • Develop and harden backend services and internal tooling for model routing, prompt management, agent orchestration, and evaluation pipelines.
  • Use AI-assisted coding and rapid prototyping, converting recurring workflows into reusable agents, evaluations, and tooling.
  • Drive experimentation, A/B testing, analysis, and data-informed product iteration.
  • Partner with product, design, data science, and risk teams to deliver secure and scalable solutions.
  • Provide technical design leadership, code reviews, mentorship, and engineering standards across teams.
  • Participate in an on-call rotation, including incident response outside regular working hours when necessary.

Requirements

  • 8+ years of backend or full-stack software development experience in production environments.
  • Deep expertise in system design, distributed systems, and architectural patterns for high-scale systems.
  • Proficiency with Python or comparable frameworks and the ability to make sound decisions across the stack.
  • Daily hands-on fluency with LLMs, AI code assistants, and generative AI tooling.
  • Production-scale experience building or shipping LLM-powered product features such as agents, conversational experiences, evaluations, prompt strategies, or guardrails.
  • Experience with transactional databases such as Postgres and caching systems such as Redis.
  • Strong focus on maintainable, well-tested code.
  • Demonstrated technical leadership across teams, including setting direction, driving architectural decisions, and aligning stakeholders without positional authority.
  • Experience mentoring engineers and raising the technical bar.
  • Product mindset with a bias toward rapid shipping, learning from usage, and iterative improvement.
  • Sound judgment regarding AI application, verification effort, model autonomy, stakes, reversibility, and cost.
  • Preferred experience includes agent development, fintech, or startup environments.

Benefits

  • Base salary range of $223,000.00 to $308,000.00, plus bonus eligibility, competitive equity, and benefits.
  • In-office policy of four days per week with Fridays from home for employees near an office, with a fully remote program also available.
  • Backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
  • Comprehensive health, financial, and wellbeing benefits.
  • Generous vacation policy and company-wide paid days off.
  • One percent of time off to support local community organizations.
  • Annual wellness stipend.
  • Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
  • Family planning reimbursement.
  • Opportunity to work on fintech products serving millions of members.
Chime

About Chime

1,001-5,000 employees

Chime was created because we believe everyone can unlock financial progress, and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful, transparent, and easy. Our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools, we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees, provide members the chance to receive their pay up to 2 days early* with direct deposit, help them build credit history, and build financial literacy to hit their goals—among many other things. Since 2012, we’ve grown our team to more than 1300 Chimers across 3 offices. But more than that, we’ve expanded the products and services we offer to our members based on member feedback. And in doing so, we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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