Staff Software Engineer, AI & App Experience

About the Role

Chime is looking for an Engineering Manager to lead one of the teams building Jade our AI-powered financial assistant within the AI & App Experience (AAX) organization. AAX is building the next generation of the Chime member experience and Jade sits at the center of it: helping millions of members manage their spending stay on top of subscriptions and reach their financial goals through conversation thats natural reliable and trustworthy.

Were looking for a Staff Software Engineer to help design build and ship member-facing AI capabilities. As a Staff engineer on the team youll set the technical direction for how we build with LLMs architecting the agent systems evaluation frameworks and guardrails that let us ship an AI product reliably and safely at the scale of millions of members. Youll stay deeply hands-on: designing new agent capabilities and conversation experiences prototyping quickly and shipping production code while raising the technical bar for the engineers around you. You pair strong engineering fundamentals with a product mindset owning capabilities from problem definition through measurement and iteration.

The AI landscape evolves rapidly so does Chime. Youll need to learn quickly adapt to shifting priorities and proactively identify whats needed next whether thats a new financial capability a better way to evaluate conversations or a system to keep quality high as we scale. If youre excited by the unique challenges of building LLM-powered products at scale this is the role for you.

The base salary offered for this role and level of experience will begin at $223000.00 and up to $308000.00. 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

• Set the technical direction and architecture for how Chime builds with LLMs on Jade: the agent architectures prompt strategies and orchestration patterns that shape how Jade reasons and acts and that other engineers build on
• Design build and scale new member-facing capabilities for Jade from prototype through production moving fluidly between product discovery and hands-on engineering
• Build the eval frameworks observability and guardrail systems that let the team ship LLM-powered features with speed safety and confidence
• Develop and harden the backend services and internal tooling behind Jade (model routing prompt management agent orchestration and evaluation pipelines) improving reliability and performance as we scale
• Leverage AI and LLMs natively in your own workflow using AI-assisted coding and rapid prototyping and turn one-off AI workflows into reusable systems (agent loops evals custom tooling) that compound the whole teams output
• Champion AI-native development practices across the team: set the quality gates that keep AI-assisted output production-ready encode recurring failure modes into shared evals and guardrails and push the team to work at the frontier of what AI tooling makes possible
• Exercise judgment about where and how AI is applied deciding which problems get an AI-generated first pass and which need human judgment and calibrating model autonomy to the stakes and reversibility of each decision
• Drive experimentation and rapid iteration: design A/B tests analyze results and make data-informed decisions about what to scale pivot or kill
• Partner cross-functionally with product design data science and risk to understand member pain points and deliver secure scalable solutions
• Contribute to technical design and uphold high standards across the codebase through code reviews and mentorship multiplying the impact of the engineers around you
• 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

• 8 years of backend or full-stack software development experience in production environments
• Deep expertise in system design distributed systems and architectural patterns for high-scale systems
• Proficiency with Python or comparable frameworks with the breadth to make sound decisions across the stack
• AI-native fluency: you actively build with LLMs AI code assistants and generative AI tooling as a daily part of your workflow not as a side project
• Hands-on experience building or shipping LLM-powered product features (agents conversation experiences evals prompt strategies or guardrails) at production scale
• A track record of turning AI into durable leverage: reusing and improving workflows encoding recurring fixes into evals rules and tooling instead of solving the same problem twice and acting as the first and most critical reviewer of AI-generated output
• Sound judgment about where and how to apply AI calibrating verification effort and model autonomy to the stakes reversibility and cost of each task
• Experience with transactional databases (e.g. Postgres) and caching systems (e.g. Redis) and a strong focus on writing maintainable well-tested code
• Demonstrated technical leadership across teams: setting direction driving architectural decisions and aligning cross-functional stakeholders without relying on positional authority
• A track record of mentoring engineers and raising the technical bar
• A product mindset with a bias toward action: you ship v1 fast learn from real usage and iterate letting data settle debates
• Bonus: experience with agent development fintech or startup environments

#LI-AA1 #LI-Onsite

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.