Senior Software Engineer (Cards)

• Chime’s Cards org is hiring an engineer to help scale and evolve Cards portfolio
• In this role, you’ll dive into high-impact projects across our service architecture, collaborating with product, risk, and design partners to deliver resilient, secure systems
• While your focus will be backend, we’re looking for someone who’s excited to roll up their sleeves and contribute wherever it’s needed most to move the team forward
• Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
• Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary

Benefits

• Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
• Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
• Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
• Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events- Curiosity and passion for diving deeply into system architectures and technical challenges
• Experience in fast-paced or early-stage environments is a strong plus
• Experience with transactional databases and caching systems
• An appreciation of maintainable and well-tested code
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
• Proven experience with Ruby on Rails or comparable frameworks
• Deep understanding of architectural patterns for large-scale web applications
• Commitment to mentoring engineers and fostering team development
• 5+ years of experience developing software in a production environment at scale