Principal Product Designer, Spending

Chime Financial, Inc; San Francisco (CA); On-site; USD 222,000 - 290,000; Full time

Benefits offered by this job

Health benefits

Wellbeing benefits

Parental leave

Wellness stipend

Commuter benefits

Paid time off

Community involvement

Job summary

Chime is seeking a Principal Product Designer to shape key experiences in our mobile app, guiding money management moments from day-to-day usage to long-term goals. You will set a design direction with close attention to detail, elevating overall product quality and user trust.

You will lead across spending, saving, and investing experiences, crafting highly polished mobile interfaces with strong typography and motion, and translate complex financial concepts into clear, actionable experiences

Qualifications

• Proven track record designing consumer mobile products with shipped work.
• Strong visual craft and ability to translate complex decisions into intuitive experiences.
• Experience leading complex product design projects as a senior individual contributor.
• Ability to define a vision, communicate it clearly, and drive execution across teams.

Responsibilities

• Lead design across spending, savings, and investing experiences from concept to launch.
• Create polished mobile experiences with typography, layout, interaction, and motion that feel intuitive.
• Translate complex financial concepts into clear experiences to empower member decision-making.
• Explore ambitious ideas, prototype, and iterate based on feedback to sharpen direction.
• Partner with product, engineering, research, and content design to meet member needs.

Skills

Mobile design

Visual craft

Product leadership

Cross-functional collaboration

Job description

New York, NY, USA; San Francisco, CA, USA

About the role

The way people spend, save, and invest shapes their everyday lives. We’re looking for a Principal Product Designer to make those moments feel clear, useful, and distinctly Chime.

You’ll shape some of the most important experiences in our mobile app, from how members manage money day to day to how they build toward longer-term goals. This role calls for a designer with exceptional visual craft who can turn complex financial decisions into experiences people understand and want to use. You’ll set a strong design direction, stay close to the details, and help raise the quality of the product around you.

The base salary offered for this role and level of experience will begin at $222,000 and up to $290,000. 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

• Lead design across spending, savings, and investing experiences, from early concepts through launch and iteration.
• Create polished mobile experiences with exceptional attention to typography, layout, interaction, motion, and the details that make a product feel intuitive.
• Translate complex financial concepts into clear experiences that help members make informed decisions.
• Explore ambitious ideas, build compelling prototypes, and use feedback to refine the strongest direction.
• Partner closely with product, engineering, research, and content design to understand member needs and deliver thoughtful solutions.
• Bring a cohesive point of view to experiences across the app while finding opportunities to raise the overall bar for design quality.
• Give constructive critique, mentor other designers, and help teams make strong design decisions.

To thrive in this role, you have

• Deep experience designing consumer mobile products and a portfolio that demonstrates outstanding visual craft and shipped work.
• A track record of leading complex product design projects as a senior individual contributor.
• Strong interaction design skills and the ability to make sophisticated experiences feel simple and approachable.
• The range to define a vision, communicate it clearly, and work through the details required to bring it to life.
• Experience using research, customer feedback, and product data to inform and improve your designs.
• The ability to build trust across disciplines, navigate competing priorities, and move teams toward a shared direction.
• Experience in fintech or financial services is a plus, but is not required.

#LI-TP1 #LI-Onsite

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a 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 it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're 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 owner's 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 people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our 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 don't—who 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 you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• 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 can’t be done without a diverse team and inclusive environment. That’s 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: [e-mail] .