Senior Full-Stack Software Engineer, Unsecured Cards

About the role

Chimes Cards team is hiring a Senior Full-Stack Engineer to help build and scale our newest card products. Youll work across the stack to ship member-facing experiences and the backend systems that power them solving complex problems in a fast-moving space and partnering closely with product design risk credit and compliance to deliver products members trust with their financial lives.

These efforts introduce new product constructs and require evolving core systems while delivering seamless reliable experiences at scale. Youll help define solutions amid ambiguity and ship features that support millions of Chime members.

The base salary offered for this role and level of experience will begin at $164000.00 and up to $227000.00. Full-time employees are also eligible for a bonus competitive equity package and benefits. The actual base salary offered may be higher depending on your location skills qualifications and experience.

In this role you can expect to

• Own and drive end-to-end development of complex product features from shaping technical approach through implementation and launch
• Lead multi-engineer efforts within the team helping break down problems define scope and drive execution
• Design and build scalable systems across backend services and frontend applications (web and mobile) supporting millions of members
• Work through ambiguity to define solutions structuring problems and aligning technical decisions with product and business goals
• Collaborate closely with cross-functional partners product design risk credit legal and compliance to deliver high-impact features
• Contribute to technical design decisions balancing tradeoffs across performance reliability and long-term maintainability
• Raise the bar for engineering quality through thoughtful code reviews testing practices and improving team standards
• Mentor and support other engineers helping improve team velocity code quality and overall execution
• Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

To thrive in this role you have

• 5 years of experience building production-grade software with a track record of shipping reliable user-facing features
• Experience owning projects or major features end-to-end including design implementation and delivery
• Strong backend development experience building APIs and services with Ruby on Rails or comparable frameworks with working knowledge of modern frontend frameworks (e.g. React React Native)
• Experience with transactional databases and caching systems and an appreciation for clean well-tested maintainable code
• Comfort operating in ambiguous fast-moving environments where you help define solutions rather than just implement them
• Strong collaboration skills with experience working closely with product managers designers and other engineers
• A mindset focused on impact quality and continuous improvement
• Experience in fintech lending or other regulated/credit domains is a strong plus

#LI-Onsite #LI-AA1

A little about us

At Chime we believe that everyone can achieve financial progress. We created Chimea financial technology company not a bank*on the premise that core banking services should be helpful easy and free. Through our user-friendly tools and intuitive platforms we empower our members to take control of their finances and work towards their goals. Whether its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were a team of problem solvers dreamers and builders with one shared obsession: our members. From day one Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owners mindset to our work refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams our company and our members.

We believe in being bold dreaming big and taking risks while also working together embracing our diverse perspectives and giving each other honest feedback. Our culture remains deeply entrepreneurial encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission we must earn and keep peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour values are embedded in every aspect of our business serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we dontwho will

*Chime is a financial technology company not a bank. Banking services provided by The Bancorp Bank N.A. or Stride Bank N.A. Members FDIC.

What we offer for our full-time regular employees

• Our in-office work policy is designed to keep you connected - with 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. Whether youre coming in regularly or are part of our fully remote program youll stay engaged with your work and teammates.
• In-office perks including backup child elder and/or pet care plus a subsidized commuter benefit to support your regular commute
• Competitive salary based on experience
• 401k match plus great medical dental vision life and disability benefits
• Generous vacation policy and company-wide Chime Days bonus company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to Maven a family planning tool with $15k lifetime reimbursement for egg freezing fertility treatments adoption and more.
• In-person and virtual events to connect with your fellow Chimersthink cooking classes guided meditations music festivals mixology classes paint nights etc. and delicious snack boxes too!
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work cant be done without a diverse team and inclusive environment. Thats why we specifically look for individuals of varying strengths skills backgrounds and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race color ancestry religion sex national origin sexual orientation gender identity age marital or family status disability genetic information veteran status or any other legally protected basis under provincial federal state and local laws regulations or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws including the San Francisco Fair Chance Ordinance Cook County Ordinance NYC Fair Chance Act and the LA City Fair Chance Ordinance and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process please contact: .

To learn more about how Chime collects and uses your personal information during the application process please see theChime Applicant Privacy Notice.