Tech Lead Manager, Lending

Chime's Lending org builds products and platforms that give members access to fair, transparent credit and liquidity, including Earned Wage Access (MyPay), flexible overdraft (SpotMe), and longer-term Instant Loans, plus the platforms that power credit decisions, funding, repayments, and servicing. The team operates real-time money movement and decisioning infrastructure at scale, including underwriting, eligibility, ledgering, reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable.

• Author and ship scoped, incremental features hands-on.
• Own the squad's technical direction, architecture, and code quality, leading technical design discussions, code reviews, and technical planning.
• Identify technical debt and advocate for sustainable engineering practices as an active codebase contributor.
• Provide full people management for 3–5 direct reports, including 1:1s, career coaching, performance feedback, and promotion decisions.
• Drive hiring and staffing for the squad, building an inclusive, high-performing team and owning its health and engagement.
• Mentor product engineers on technical and product growth, modeling ownership and craft.
• Build a path for engineers on the squad toward Staff Engineer or a future TLM role.
• Partner with Product and Design on sprint scope and delivery commitments, surfacing technical dependencies and capacity needs into quarterly planning.

• Direct experience in lending, payments, or other regulated financial/transactional systems.
• Managed engineers directly with full people-management ownership (1:1s, career coaching, performance feedback, promotion decisions, hiring) for a small team, while staying hands-on technically.
• Use AI coding tools and workflows as a core part of how you build and lead, with a track record of introducing AI-driven practices that measurably improved a team's velocity.
• Can tie-break technical disagreements and make speed-vs-durability calls under real delivery pressure, while partnering closely with a PM and Design on scope, dependencies, and quarterly planning.
• Bias toward ownership and action over process, comfortable being accountable for both what ships and how the team is doing.
• Hold a high quality bar through design and code review rather than delegating it entirely.

Base salary: $199,000—$275,000 USD. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. Benefits include 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; family planning reimbursement; backup child, elder, and pet care; and subsidized commuter benefits for eligible employees.

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