Senior Software Engineer, Cards

Chime Financial, Inc; San Francisco (CA); On-site; USD 164,000 - 227,000; Full time

Benefits offered by this job

Bonus

Equity package

Health benefits

Office in SF

Generous PTO

Job summary

Chime Financial, Inc. is seeking a backend engineer to scale and evolve the Cards portfolio. You’ll work across service architecture with product, risk, and design partners to deliver resilient systems. The role emphasizes backend work with mentorship and cross-functional collaboration.

The base salary ranges from $164,000 to $227,000, with bonus eligibility, equity, and benefits. Location is San Francisco, with on-call responsibilities as part of the role.

Qualifications

• 5+ years of software development in production
• Leadership experience driving architecture and coordination
• Experience with Ruby on Rails or similar frameworks
• Strong understanding of scalable web architectures
• Mentor engineers and foster team growth

Responsibilities

• Drive design and architecture decisions while mentoring engineers
• Lead multiple projects and coordinate cross-functional work
• Build robust low-latency backend services powering Trust and Safety
• Define platform architecture and provide technical solutions
• Collaborate with data, product, and analytics to ship impactful features
• Improve reliability and performance through observability and automation
• Evolve policy, experimentation, and ML integration capabilities
• Participate in on-call rotation and incident response when needed

Skills

5+ years software engineering

Ruby on Rails

Architectural decisions

Mentoring engineers

On-call rotation

Job description

About the role

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 $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

• 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.

To thrive in this role, you have

• 5+ years of experience developing software in a production environment at scale
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
• Proven 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
• An appreciation of maintainable and well-tested code
• Curiosity and passion for diving deeply into system architectures and technical challenges
• Experience in fast-paced or early-stage environments is a strong plus #LI-Onsite #LI-MB1

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].

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.