Lead Backend Engineer, Trust & Safety — Risk Platform

Chime Financial, Inc; Chicago (IL); Hybrid; USD 117,000 - 184,000; Full time

Benefits offered by this job

Health insurance

Paid time off

Wellbeing benefits

Parental leave

Wellness stipend

Equity / incentives

Job summary

Chime is seeking a Backend Engineer to provide technical leadership in Trust & Safety, shaping the platform architecture and APIs for a secure member experience. You will mentor engineers, drive end-to-end projects, and collaborate with data teams to ensure reliability and performance across our systems.

You will design scalable backend solutions, work with mobile APIs, and contribute to high‑caliber engineering standards while participating in on‑call rotations as needed.

Qualifications

• 3+ years developing software in a production environment at scale.
• Experience with Ruby on Rails or comparable frameworks.
• Experience working with transactional databases and caching systems.
• Exposure to architectural patterns of large, high-scale web applications.
• An appreciation of maintainable and well-tested code.
• A desire to learn and dive into the deepest levels of how things work.
• Start-up experience is a plus.

Responsibilities

• 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 for the mobile app.
• Collaborate with multi-functional teams to understand member struggles and provide solutions.
• Proactively improve reliability and scalability of systems.
• Uphold high technical standards across the engineering team.
• Participate in on-call rotation, potentially outside regular hours.

Skills

Ruby on Rails

Production environment

Transactional databases

Caching systems

Architectural patterns

Maintainable code

On-call readiness

Job description

Chime is seeking a Backend Engineer to provide technical leadership in Trust & Safety, shaping the platform architecture and APIs for a secure member experience. You will mentor engineers, drive end-to-end projects, and collaborate with data teams to ensure reliability and performance across our systems.

You will design scalable backend solutions, work with mobile APIs, and contribute to high‑caliber engineering standards while participating in on‑call rotations as needed.