Software Engineer, Lending

Chime•4h ago

United StatesHybrid$133KFull-time

H-1B sponsor

Apply now

Top focus

Software EngineerSoftware Engineer Ii

About the role
Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans
the platforms that power credit decisions, funding, repayments
servicing behind the scenes.
We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems
financial transactions that must be correct, resilient
As a Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area. You’ll lead technical initiatives that cut across products, platforms
partner teams, helping shape how Lending evolves as a system, not just how one team ships.
You’ll design and build backend systems where correctness, reliability, speed
operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance
Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries
help raise the bar for how Lending engineers build together.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. Full-time employees are also eligible for a bonus, competitive equity package
benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications
Why join Lending?
Work on systems that matter
The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters.
Own a bigger surface area
This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems
execution across Lending.
Build where product and platform meet
Some of the most interesting engineering work happens in the seams: where member experience depends on credit strategy
product velocity depends on platform leverage
where financial correctness meets business speed. This role sits in the middle of those seams and gives you meaningful influence over how they scale.
Operate in a fast-moving, high-accountability environment
Lending is a fast-paced fintech environment where we care about moving quickly and building well. We value thoughtful design, strong engineering judgment, high-quality code
operational excellence. We also actively use AI where it can improve quality, speed
In this role, you can expect to
Independently own and deliver features end-to-end
Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
Collaborate with cross functional teams to understand member pain points and come up with solutions
Proactively identify opportunities for improving the reliability and scalability of our systems
Work across the engineering team to improve and uphold high technical standards
Grow into owning larger components of the system over time
To thrive in this role, you have
3+ years building and operating production software at scale
Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
Strong grasp of relational databases and caching, including safe schema changes/migrations
Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
Start-up experience a plus
#LI-AC2 #LI-Hybrid
A little about us
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
free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business
pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers
builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company
We believe in being bold, dreaming big
also working together, embracing our diverse perspectives
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. These aren't just words on a wall—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.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
🏝 Generous vacation policy and company-wide paid days off
🫂 1% of your time off to support local community organizations of your choice
👟 Annual wellness stipend to use towards eligible wellness related expenses
👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
👪 Access to family planning reimbursement
💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds
ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
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
any other legally protected basis under provincial, federal, state
local laws, regulations
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
the LA City Fair Chance Ordinance
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 .
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .

Required skills

RubyRailsDistributed Systems