Senior Backend Architect — Cards Platform (Hybrid)

Chime Enterprise; San Francisco, Northern (CA, KY); Hybrid; USD 164,000 - 227,000; Full time

Benefits offered by this job

Bonus

Equity package

Benefits

Job summary

Chime’s Cards org is hiring an engineer to help scale and evolve Cards portfolio. In this role, you’ll dive into high-impact projects across our service architecture, collaborating with product, risk, and design partners to deliver resilient, secure systems.

While your focus will be backend, we're looking for someone who’s excited to roll up their sleeves and contribute wherever it’s needed most to move the team forward The base salary offered for this role and level of experience will begin at

Qualifications

• 5+ years of experience developing software in production at scale.
• Proven experience as a technical lead for a team on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams.
• Experience with Ruby on Rails or comparable frameworks.
• Experience with transactional databases and caching systems.
• Deep understanding of architectural patterns for large-scale web applications.
• Commitment to mentoring engineers and fostering team development.

Responsibilities

• Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
• Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

Skills

Ruby on Rails

Backend development

APIs

Mentoring

Job description

Chime’s Cards org is hiring an engineer to help scale and evolve Cards portfolio. In this role, you’ll dive into high-impact projects across our service architecture, collaborating with product, risk, and design partners to deliver resilient, secure systems.

While your focus will be backend, we're looking for someone who’s excited to roll up their sleeves and contribute wherever it’s needed most to move the team forward The base salary offered for this role and level of experience will begin at