Senior Software Engineer, Cards

Chime's Cards org is hiring an engineer to help scale and evolve the Cards portfolio. In this role, you'll dive into high-impact projects across the service architecture, collaborating with product, risk, and design partners to deliver resilient, secure systems. While the focus is backend, the role expects someone excited to contribute wherever needed.

• Drive technical design and architectural decisions, 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 Trust and Safety platforms.
• Become the domain expert in platform architecture, providing technical decisions and solutions to refine 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 experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale.
• Participate in on-call rotation, which may include responding to incidents outside regular working hours.

• 5+ years of experience developing software in a production environment at scale.
• 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.
• Experience with transactional databases and caching systems.
• Deep understanding of architectural patterns for large-scale web applications.
• Commitment to mentoring engineers and fostering team development.
• Appreciation of maintainable and well-tested code.
• Curiosity and passion for diving deeply into system architectures and technical challenges.
• Experience in fast-paced or early-stage environments is a strong plus.

Base salary offered for this role and level of experience begins at $164,000.00 and up to $227,000.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. Actual base salary may be higher depending on location, skills, qualifications, and experience.

Benefits include: backup child, elder, and pet care; subsidized commuter benefits for eligible employees; comprehensive health, financial, and wellbeing benefits; generous vacation policy and company-wide paid days off; 1% of time off to support local community organizations; annual wellness stipend; up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents; access to family planning reimbursement.

In-office work policy: 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. Fully remote program also available.

Apply via the Greenhouse link. For accommodation during the application process, contact accommodations@chime.com.