Senior Software Engineer, Lending

About the role

Chimes Lending org builds the products and platforms that give members access to fair transparent credit and liquidity when they need it most 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 behind the scenes.

We operate some of Chimes most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale including underwriting and eligibility ledgering and reconciliation capital markets workflows repayment systems and financial transactions that must be correct resilient and auditable.

As a Senior Software Engineer (L5) in Lending youll 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. Youll 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.

Youll design and build backend systems where correctness reliability speed and operational rigor matter deeply. Youll 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.

Why join Lending

Work on systems that matter

The products and platforms we build directly impact millions of members and sit at the center of Chimes 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 wont be limited to a narrow feature lane. Youll 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 youll be expected to do more than deliver strong execution. Youll 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.

In this role you can expect to

• 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

To thrive in this role you have

• 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

Nice to have

• 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

#LI-AC2 #LI-Hybrid

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.