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Chime Financial, Inc

Software Engineer, Deposits & Insights

San Francisco, CA, USAmidAdded 1 month ago

About this role

Join the Deposits & Insights team as a backend engineer to design and build robust APIs and services that leverage spending behavior data to enhance member financial safety. This senior-level role combines technical leadership, architecture decisions, and cross-functional collaboration to ship scalable platforms serving millions of users.

What you'll do

  • Lead technical design and architectural decisions while mentoring engineers across the team
  • Develop and maintain low-latency APIs and backend services for Trust and Safety platforms
  • Own multiple projects simultaneously, balancing key initiatives with broader team support
  • Partner with data engineers, analysts, and product managers to build member-focused features
  • Enhance platform reliability through system architecture, observability, and automation
  • Participate in on-call rotation to respond to production incidents as needed

What they're looking for

  • Backend software development (3+ years production experience)
  • Ruby on Rails or comparable frameworks
  • Technical leadership and architectural design
  • Transactional databases and caching systems
  • Large-scale web application architecture patterns
  • Code testing and maintainability practices
  • Experimentation and ML integration
  • Team mentoring and cross-functional collaboration

Benefits

  • Competitive salary ($133,000–$184,000 based on location and experience)
  • Bonus eligibility
  • Equity package
  • Comprehensive benefits package
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Chime Financial, Inc

Chime Financial, Inc builds financial products and services for millions of members, including earned wage access, instant loans, and membership features. The company is hiring full-stack engineers, backend service developers, trust and safety engineers, and ML platform engineers to build scalable systems powering member engagement, risk management, lending, and financial transactions.

View all jobs at Chime Financial, Inc

Likely interview questions

  • Tell us about a time you led the technical design and architectural decisions for a complex project. How did you approach it and what was the outcome?
  • Describe your experience building and maintaining low-latency APIs in production. What performance challenges did you face and how did you solve them?
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