Senior Software Engineer, AI & App Experience

Chime Financial, Inc; San Francisco (CA); On-site; USD 164,000 - 259,000; Full time

Benefits offered by this job

Backup child care

Elder care assistance

Pet care support

Commuter benefits

Health, financial & wellbeing benefits

Generous vacation & paid time off

Wellness stipend

Parental leave (22 weeks birthing, 12+

Job summary

Chime Financial, Inc. is seeking a Senior Software Engineer to advance Jade, our AI-powered financial assistant. You will design and scale AI-driven features across frontend and backend, shaping how Jade reasons and acts for millions of members.

You'll work on agent architectures, evaluation pipelines, and robust guardrails while maintaining high-quality, well-tested code. This role offers a competitive salary, equity, and benefits, with opportunities to influence product direction.

Qualifications

• 5+ years of backend production software development experience.
• Proficiency with AI tooling and AI-native development.
• Proficiency with Python or comparable frameworks.
• Experience with transactional databases (Postgres) and caching systems (Redis).
• Familiarity with architectural patterns in high-scale systems.
• Strong focus on writing maintainable, well-tested code.
• Bonus: Experience with agent development, fintech, or startup environments.

Responsibilities

• Design, build, and scale Jade capabilities as part of Chime's AI-powered assistant.
• Develop agent architectures, prompt strategies, and orchestration patterns.
• Build eval frameworks, observability, and guardrail systems for safe shipping at scale.
• Partner cross-functionally to solve member pain points and deliver secure, scalable solutions.
• Improve system reliability through performance tuning and architectural enhancements.
• Contribute to technical design and maintain high code standards through reviews and mentorship.
• Bring curiosity to explore improvements and new capabilities.

Skills

Backend software development

AI tooling

Python

Scalable architectures

Code quality & testing

Mentorship

Tools

PostgreSQL

Redis

Job description

Senior Software Engineer, AI & App Experience

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

About the Role

We are looking for a Senior Full-Stack Engineer to join our team and help build Jade, Chime's AI-powered financial assistant.

As a senior engineer on this team, you'll work across the full breadth of what it takes to bring an AI product to life — from designing new agent capabilities and conversation experiences to building the eval frameworks, observability, and guardrail systems that ensure Jade is reliable and safe for millions of members. You'll shape how Jade reasons, acts, and improves over time.

You'll build member-facing capabilities that help people manage their spending, stay on top of subscriptions, and hit their financial goals. You'll also develop internal tools, dashboards, and backend services for model routing, prompt management, agent orchestration, and evaluation pipelines. The AI landscape evolves rapidly, and so does Jade. You'll need to learn quickly, adapt to shifting priorities, and proactively identify what's needed next — whether that's a new financial capability, a better way to test conversations, or a system to keep quality high as we scale. If you're excited about the unique challenges of shipping LLM-powered products at scale, this is the role for you.

The base salary offered for this role and level of experience will begin at $164,000 and up to $259,000. 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

• Design, build, and scale new capabilities for Jade, Chime's AI-powered financial assistant
• Develop agent architectures, prompt strategies, and orchestration patterns that shape how Jade reasons and acts
• Build eval frameworks, observability, and guardrail systems that let the team ship with speed and confidence
• Partner cross-functionally to solve member pain points and deliver secure, scalable solutions
• Improve system reliability through performance tuning and architectural enhancements
• Contribute to technical design and maintain high standards across the codebase through code reviews and mentorship
• Bring curiosity and initiative to explore how things work and how they can work better

To thrive in this role, you have

• 5+ years of backend software development experience in production environments
• Proficiency with AI tooling and AI native development
• Proficiency with Python or comparable frameworks
• Experience with transactional databases (e.g., Postgres) and caching systems (e.g., Redis)
• Familiarity with architectural patterns in high-scale systems
• A strong focus on writing maintainable, well-tested code
• A drive to learn and dive deep into technical systems
• Bonus: Experience with agent development, fintech, or startup environments

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] .