Senior Software Engineer, Platform

Chime Financial, Inc; San Francisco (CA); On-site; USD 187,000 - 259,000; Full time

Benefits offered by this job

Four days in office + some remote days

Backup child/elder/pet care

Competitive salary

401k match & benefits

Generous vacation

Parental leave

Job summary

Chime Financial, Inc is seeking a Senior Software Engineer to own messaging, caching, job processing, and workflow platforms that keep services talking to each other. You will influence how teams build reliable, scalable systems and partner with product, data, and infrastructure to solve cross-cutting challenges.

The role emphasizes shipping impact, measuring outcomes, and iterating. Location-flexible within SF Bay Area, with competitive compensation and equity for a high-growth FinTech.

Qualifications

• Strong Ruby on Rails experience in production environments.
• Experience shipping production systems as part of a team.
• Familiarity with async and synchronous data-sharing patterns (pub/sub, RPC, caching) and when to use each.

Responsibilities

• Automate upgrades, monitoring, and operations across the platform.
• Build tools to enable self-serve for engineers.
• Develop reliable, scalable platforms and libraries.
• Collaborate with product, data, and infra teams on cross-cutting technical problems.
• Reduce operational overhead through close collaboration with infra.
• Advise engineering teams on communication and data-sharing patterns.

Skills

Ruby/Rails

Python or Go

CI/CD

Async data sharing

Shipping production systems

Tools

Terraform

Helm

Kubernetes

Docker

Redis

Job description

About the role

Chime is looking for a Senior Software Engineer to own the messaging, caching, job processing, and workflow platforms that keep services talking to each other.

The Messaging Platforms team sits between infrastructure and product. We build the frameworks, libraries, and operational patterns that let product engineers move quickly without having to carry the full complexity of messaging. When we do our jobs well, teams feel confident: messaging is reliable, scalable, observable, and easy to build on.

You’ll work on:

• Messaging and job processing — local and distributed async processing, service-to-service communication, and reliability work
• Caching — Redis governance, usage patterns, and operational tooling
• Workflow orchestration — running and improving the platforms teams use for scheduled jobs and long-running workflows (Temporal, Cronitor)
• Shared Rails tooling — logging, tracing, security, PII masking, schema enforcement, and other shared concerns
• AI-enabled engineering — finding practical ways to help Chime engineers use AI more effectively: automation, agent-ready tooling, platform capabilities that make AI-assisted development safer

There’s a lot to do. We want someone who can figure out which problems are worth solving, ship something, measure whether it worked, and adjust. Not someone who ships and disappears.

The base salary offered for this role and level of experience will begin at $187,000.00 and up to $259,000.00. 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

• Automate upgrades, monitoring, and operations across the platform.
• Build tools that let engineers across Chime self‑serve — so they spend less time waiting on us.
• Build and maintain reliable, scalable platforms and libraries.
• Partner with product, data, and infrastructure teams on cross‑cutting technical problems.
• Reduce operational overhead through close collaboration with infra.
• Advise engineering teams on communication and data‑sharing patterns.

To thrive in this role, you have

• Solid understanding of async and synchronous data‑sharing patterns — pub/sub, RPC, caching, and when to use each.
• Strong Ruby/Rails experience; Python or Go is a bonus.
• Familiarity with AWS (ElastiCache, SNS/SQS) and infrastructure tooling like Terraform, Helm, Kubernetes, and Docker.
• Experience with large‑scale production systems and the tradeoffs that come with them.
• Comfort working in CI/CD environments.
• A track record of shipping production systems as part of a team.
• You care about the engineers who use what you build — and you’ll push back when a pattern is going to cause them pain later.

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.
• In‑office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute.
• Competitive salary based on experience.
• 401k match plus great medical, dental, vision, life, and disability benefits.
• Generous vacation policy and company‑wide Chime Days, bonus company‑wide paid days off.
• 1% of your time off to support local community organizations of your choice.
• Annual wellness stipend to use toward eligible wellness related expenses.
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non‑birthing parents.
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In‑person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
• 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.