Staff AI & App Experience Engineer (Full-Stack)

Chime Financial, Inc; San Francisco (CA); On-site; USD 223,000 - 308,000; Full time

Benefits offered by this job

In-office policy

Health benefits

Parental leave

Wellness stipend

Commuter benefits

Paid time off

Job summary

Chime is seeking a Staff Software Engineer to shape the future of member-facing AI with LLMs at scale. You will set the technical direction for Jade, architect agent systems, and build production‑ready AI capabilities, while mentoring teammates and maintaining high standards across the codebase.

This role blends hands‑on engineering with strategic leadership in a fast‑growing fintech environment. You will work across product, design, data science, and risk teams, perform on‑call duties, and help

Qualifications

• 8+ years of backend or full‑stack software development experience in production environments.
• Deep expertise in system design, distributed systems, and architectural patterns for high‑scale systems.
• Proficiency with Python or comparable frameworks, with the breadth to make sound decisions across the stack.
• AI‑native fluency: you actively build with LLMs, AI code assistants, and generative AI tooling as a daily part of your workflow, not as a side project.
• Hands‑on experience building or shipping LLM‑powered product features (agents, conversation experiences, evals, prompt strategies, or guardrails) at production scale.
• A track record of turning AI into durable leverage: reusing and improving workflows, encoding recurring fixes into evals, rules, and tooling instead of solving the same problem twice, and acting as the first and most critical reviewer of AI‑generated output.

Responsibilities

• Set the technical direction and architecture for how Chime builds with LLMs on Jade: the agent architectures, prompt strategies, and orchestration patterns that shape how Jade reasons and acts, and that other engineers build on
• Design, build, and scale new member‑facing capabilities for Jade, from prototype through production, moving fluidly between product discovery and hands‑on engineering
• Build the eval frameworks, observability, and guardrail systems that let the team ship LLM‑powered features with speed, safety, and confidence
• Develop and harden the backend services and internal tooling behind Jade (model routing, prompt management, agent orchestration, and evaluation pipelines), improving reliability and performance as we scale
• Leverage AI and LLMs natively in your own workflow, using AI‑assisted coding and rapid prototyping, and turn one‑off AI workflows into reusable systems (agent loops, evals, custom tooling) that compound the whole team’s output
• Champion AI‑native development practices across the team: set the quality gates that keep AI‑assisted output production‑ready, encode recurring failure modes into shared evals and guardrails, and push the team to work at the frontier of what AI tooling makes possible
• Exercise judgment about where and how AI is applied, deciding which problems get an AI‑generated first pass and which need human judgment, and calibrating model autonomy to the stakes and reversibility of each decision
• Drive experimentation and rapid iteration: design A/B tests, analyze results, and make data‑informed decisions about what to scale, pivot, or kill
• Partner cross‑functionally with product, design, data science, and risk to understand member pain points and deliver secure, scalable solutions
• Contribute to technical design and uphold high standards across the codebase through code reviews and mentorship, multiplying the impact of the engineers around you
• Participate in on‑call rotation; being on call may include responding to incidents outside of regular working hours when necessary

Skills

Python

LLMs

Distributed systems

Backend development

Code reviews

Mentorship

Product mindset

On-call readiness

Tools

Postgres

Redis

Job description

Chime is seeking a Staff Software Engineer to shape the future of member-facing AI with LLMs at scale. You will set the technical direction for Jade, architect agent systems, and build production‑ready AI capabilities, while mentoring teammates and maintaining high standards across the codebase.

This role blends hands‑on engineering with strategic leadership in a fast‑growing fintech environment. You will work across product, design, data science, and risk teams, perform on‑call duties, and help