Hybrid Backend Engineer, Lending Platforms (Equity & Bonus)

Chime; San Francisco (CA); Hybrid; USD 133,000 - 184,000; Full time

Benefits offered by this job

In-office 4 days/week, Fridays remote

Health and wellbeing benefits

Vacation & parental leave

Commuter benefits

Equity & bonus

Job summary

Chime is seeking a Software Engineer in Lending to own backend systems and drive cross‑team initiatives that power credit and liquidity platforms for millions of members. You’ll design, build, test, and scale resilient APIs, collaborating with Product, Risk, Data Science, and Ops to translate ambiguous opportunities into durable solutions.

You’ll work across Lending to raise the bar for reliability, performance, and technical excellence while growing into broader components of the system over

Qualifications

• 3+ years building and operating production software at scale.
• Experience with Ruby on Rails (or comparable frameworks) designing and running APIs.
• Strong grasp of relational databases and caching, including safe schema changes/migrations.
• Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns.
• Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones.
• Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally.
• Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact.
• Interest in data-driven systems and third-party data integration (fintech/risk experience a plus).
• Start-up experience a plus

Responsibilities

• Independently own and deliver features end-to-end.
• Design, develop, test, refactor and scale backend implementations of new and existing consumer product features.
• Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app.
• Collaborate with cross functional teams to understand member pain points and come up with solutions.
• Proactively identify opportunities for improving the reliability and scalability of our systems.
• Work across the engineering team to improve and uphold high technical standards.
• Grow into owning larger components of the system over time.

Skills

Production software

Ruby on Rails

Relational databases

Distributed systems

Maintainable code

Cross-functional communication

Data integration

Startup experience

Job description

Chime is seeking a Software Engineer in Lending to own backend systems and drive cross‑team initiatives that power credit and liquidity platforms for millions of members. You’ll design, build, test, and scale resilient APIs, collaborating with Product, Risk, Data Science, and Ops to translate ambiguous opportunities into durable solutions.

You’ll work across Lending to raise the bar for reliability, performance, and technical excellence while growing into broader components of the system over