Chime
Senior Software Engineer, Lending
$164K–$259K
New York, NY, USA +2 · Senior · Full-time · Posted Jul 29, 2026
- Location
- New York, NY, USA
San Francisco, CA, USA
San Francisco, California, United States - Experience
- 8+ years building and operating production software at scale; track record owning backend systems end-to-end.
About the job
Leads cross-team design and delivery of reliable backend systems connecting Chime’s lending products with shared credit, repayment, servicing, and financial platforms.
What you'll do
- Lead architecture and end-to-end delivery of backend systems and complex initiatives across teams and domains.
- Define APIs, integrations, and data contracts; build for correctness, scale, resilience, observability, and operational excellence.
- Partner across functions, mentor engineers, and improve systems and practices through incident response and production learning.
What they ask for
- Strong backend engineering fundamentals and production experience with APIs and distributed systems.
- Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture.
- Track record leading complex projects spanning multiple teams, systems, or workflows.
- Experience in fintech, lending, banking, payments, risk, or another high-integrity domain.
Nice to have
- Experience with lending or credit systems, or financial platform domains such as reconciliations and ledgering.
- Familiarity with experimentation, analytics, or shared platform adoption by product teams.
Pay
$164,000 — $259,000 USD (base salary)
Tools
Ruby on Rails
AI focus
The organization actively uses AI where it can improve quality, speed, and leverage; no specific AI responsibilities are stated for this role.
Model-written summary · the original posting is authoritative