Senior Software Engineer

Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing. As a Senior Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system.

• 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.
• 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.
• 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.
• Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements.
• Mentor other engineers through design reviews, technical feedback, and hands-on partnership.
• Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes.

• 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.
• A high-ownership mindset and comfort operating in ambiguity.
• Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams.
• 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.

• 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.
• Experience helping product teams adopt shared platform capabilities through strong APIs, abstractions, internal tooling, or platform patterns.

Base salary offered for this role and level of experience: $164,000—$259,000 USD. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. Benefits include backup child, elder, and pet care, subsidized commuter benefits, comprehensive health, financial, and wellbeing benefits, generous vacation policy and company-wide paid days off, annual wellness stipend, up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents, and access to family planning reimbursement.

Apply via the Greenhouse job posting link.