Senior Full-Stack Software Engineer, Unsecured Cards

Visa Hunt; San Francisco (CA); On-site; USD 164,000 - 227,000; Full time

Benefits offered by this job

Bonus

Equity package

Benefits

Job summary

Chime is hiring a Senior Full-Stack Engineer to build and scale card products. You’ll own end-to-end features across backend services and frontend apps, collaborating across product, design, risk, and compliance to deliver reliable experiences for millions of members.

Compensation ranges from $164,000 to $227,000 base, with a bonus and equity package. The base may be higher based on location, skills, and experience; remote-friendly options may be considered with benefits for full-time staff.

Qualifications

• 5+ years of production-grade software experience and shipping user-facing features.
• Experience owning projects end-to-end including design, delivery, and impact.
• Strong backend APIs with Rails or similar; knowledge of modern frontend frameworks.
• Experience with databases, caching, and maintainable code.
• Ability to navigate ambiguity and drive solutions with product stakeholders.
• Collaborative with product managers, designers, and engineers.

Responsibilities

• Own end-to-end development of complex product features from design to launch.
• Lead multi-engineer efforts, breaking down problems and driving scope.
• Design and build scalable backend and frontend systems for millions of users.
• Define solutions in ambiguous environments, aligning with product goals.
• Collaborate with product, design, risk, legal and compliance teams.
• Contribute to design decisions, balancing performance and maintainability.
• Raise engineering quality through code reviews and testing practices.
• Mentor other engineers and improve team velocity.
• Participate in on-call rotation for incident response.

Skills

Full-stack development

Backend APIs (Rails)

Frontend frameworks (React)

Mobile/web platforms

Database & caching

Optimization & reliability

Mentoring engineers

On-call incident response

Cross-functional collaboration

Tools

PostgreSQL

Caching systems

Job description

About the role

Chime's Cards team is hiring a Senior Full-Stack Engineer to help build and scale our newest card products. You'll work across the stack to ship member-facing experiences and the backend systems that power them — solving complex problems in a fast-moving space and partnering closely with product, design, risk, credit, and compliance to deliver products members trust with their financial lives.

These efforts introduce new product constructs and require evolving core systems while delivering seamless, reliable experiences at scale. You'll help define solutions amid ambiguity and ship features that support millions of Chime members.

Compensation: base salary offered for this role and level of experience will begin at $164,000.00 and up to $227,000.00. 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

• Own and drive end-to-end development of complex product features, from shaping technical approach through implementation and launch
• Lead multi-engineer efforts within the team, helping break down problems, define scope, and drive execution
• Design and build scalable systems across backend services and frontend applications (web and mobile) supporting millions of members
• Work through ambiguity to define solutions, structuring problems and aligning technical decisions with product and business goals
• Collaborate closely with cross-functional partners — product, design, risk, credit, legal, and compliance — to deliver high-impact features
• Contribute to technical design decisions, balancing tradeoffs across performance, reliability, and long-term maintainability
• Raise the bar for engineering quality through thoughtful code reviews, testing practices, and improving team standards
• Mentor and support other engineers, helping improve team velocity, code quality, and overall execution
• Participate in on-call rotation, responding to incidents outside of regular working hours when necessary

To thrive in this role, you have

• 5+ years of experience building production-grade software, with a track record of shipping reliable, user-facing features
• Experience owning projects or major features end-to-end, including design, implementation, and delivery
• Strong backend development experience building APIs and services with Ruby on Rails or comparable frameworks, with working knowledge of modern frontend frameworks (e.g., React, React Native)
• Experience with transactional databases and caching systems, and an appreciation for clean, well-tested, maintainable code
• Comfort operating in ambiguous, fast-moving environments, where you help define solutions rather than just implement them
• Strong collaboration skills, with experience working closely with product managers, designers, and other engineers
• A mindset focused on impact, quality, and continuous improvement
• Experience in fintech, lending, or other regulated/credit domains is a strong plus

Chime is proud to be an Equal Opportunity Employer...

If you have a disability or special need that requires accommodation during any stage of the application process, please contact: [e-mail].