Software Engineer, Lending

About the role

Chime's Lending organization builds products and platforms that give members access to credit and liquidity, including MyPay, SpotMe, and Instant Loans. Its infrastructure supports credit decisions, funding, repayments, servicing, underwriting, eligibility, ledgering, reconciliation, and capital markets workflows.

As a Software Engineer in Lending, you will work across member-facing products and the backend platforms that support them. You will lead technical initiatives across products, platforms, and partner teams, designing systems where correctness, reliability, speed, and operational rigor matter. You will collaborate with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions and influence technical direction.

The team operates in a fast-paced, high-accountability fintech environment and uses AI where it can improve quality and speed.

Responsibilities

• Independently own and deliver features end-to-end.
• Design, develop, test, refactor, and scale backend implementations of new and existing consumer product features.
• Partner with the mobile team to design and build resilient APIs for the member-facing app.
• Collaborate with cross-functional teams to understand member pain points and develop solutions.
• Identify opportunities to improve system reliability and scalability.
• Improve and uphold high technical standards across engineering.
• Grow into ownership of larger system components over time.

Qualifications

• At least 3 years building and operating production software at scale.
• Experience designing and running APIs with Ruby on Rails or comparable frameworks.
• Strong understanding of relational databases and caching, including safe schema changes and migrations.
• Familiarity with distributed systems fundamentals, including asynchronous processing, idempotency, retries, and backfills, plus exposure to high-scale architectural patterns.
• Commitment to maintainable, well-tested code and improving existing systems.
• Excellent cross-functional communication, including clarifying requirements, weighing tradeoffs, and delivering incrementally.
• Curiosity about how systems work and a product mindset focused on experimentation and measuring impact.
• Interest in data-driven systems and third-party data integration.
• Fintech/risk experience and startup experience are pluses.

Location and work arrangement

• San Francisco, California; hybrid.
• For employees near an office, the policy is four days per week in the office and Fridays from home, with team and company events depending on location.

Compensation and benefits

• Listed annual base salary: $133,000–$184,000 USD. Actual base salary may be higher depending on location, skills, qualifications, and experience.
• Full-time employees may be eligible for bonuses, competitive equity, and benefits.
• Benefits for full-time, regular employees include comprehensive health, financial, and wellbeing benefits; backup child, elder, and pet care; and subsidized commuter benefits for eligible employees.
• Generous vacation and company-wide paid days off, plus 1% of time off to support local community organizations.
• Annual wellness stipend for eligible expenses.
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
• Access to family planning reimbursement.

Application accommodations

For disability or special-needs accommodations at any stage of the application process, contact accommodations@chime.com.