Senior Software Engineer

Who you are

• 8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end
• Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production
• Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
• Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability
• A track record of leading complex projects that span multiple teams, systems, or business workflows
• Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor matter deeply
• A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward without waiting for perfect structure
• Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams in a low-ego, effective way
• A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes
• Experience mentoring engineers and helping teams raise the bar on design quality, testing, operational excellence, and engineering ownership
• Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time
• Experience with lending or credit systems such as underwriting, eligibility, line assignment, limits, repayments, collections, servicing, or decisioning
• Experience with financial platform domains such as capital markets workflows, reconciliations, ledgering, accounting interfaces, partner integrations, or bank integrations
• Familiarity with experimentation, analytics, and data-informed systems used to safely evolve decisioning and product strategy over time
• Experience helping product teams adopt shared platform capabilities through strong APIs, abstractions, internal tooling, or platform patterns

What the job involves

• As a Senior 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, and 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, and operational rigor matter deeply
• You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together
• 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, and 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, where product velocity depends on platform leverage, and 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, and operational excellence. We also actively use AI where it can improve quality, speed, and leverage
• Grow your technical leadership
• At L5, you’ll be expected to do more than deliver strong execution. You’ll lead through ambiguity, drive alignment across teams, shape architecture and engineering patterns, and improve how the org operates over time. This is a strong role for engineers who want to expand their influence and prepare for even larger technical scope
• Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems
• Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync
• Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious
• Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse
• Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases
• Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending
• Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions
• Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries
• Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices
• Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org
• Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes over time

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