Chime

Software Engineer, Lending

Chime
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2 months ago
San Francisco, CA, USAMid Level
H1B sponsor

Base Salary

$133k - $184k/yr

Responsibilities

  • Independently own and deliver features end-to-end
  • Design, develop, test, refactor, and scale backend implementations for consumer product features
  • Partner with the mobile team to design and build resilient APIs for the member-facing mobile application
  • Collaborate with cross-functional teams to understand member pain points and develop solutions
  • Identify opportunities to improve system reliability and scalability
  • Help improve and uphold high technical standards across the engineering team
  • Grow into ownership of larger system components over time

Requirements

  • At least 3 years of experience building and operating production software at scale
  • Experience with Ruby on Rails or comparable frameworks for designing and running APIs
  • Strong understanding of relational databases and caching, including safe schema changes and migrations
  • Familiarity with distributed systems fundamentals such as asynchronous processing, idempotency, retries, and backfills
  • Ability to write maintainable, well-tested code and improve existing systems
  • Strong cross-functional communication and ability to clarify requirements, weigh tradeoffs, and deliver incrementally
  • Curiosity, product mindset, and interest in experimentation and measuring impact
  • Interest in data-driven systems and third-party data integration
  • Fintech or risk experience and startup experience are a plus

Benefits

  • Hybrid work arrangement with four days per week in the office and Fridays from home near company offices, with a fully remote program also available
  • Backup child, elder, and pet care plus 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 up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents
  • Access to Maven family planning support with up to $15,000 lifetime reimbursement
  • In-person and virtual employee events

Tech Stack

Ruby on Rails

Categories

Chime

About Chime

1,001-5,000 employees

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.

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