Chime
Software Engineer, Lending
$133K–$184K
San Francisco, CA, USA +1 · Full-time · Posted Jul 30, 2026
- Location
- San Francisco, CA, USA
San Francisco, California, United States - Experience
- 3+ years building and operating production software at scale.
About the job
Build and operate backend systems and APIs for Chime’s lending products, spanning member-facing features and shared financial platforms.
What you'll do
- Own and deliver features end-to-end, including designing, testing, refactoring, and scaling backend implementations.
- Build resilient APIs with the mobile team and collaborate across functions to address member needs.
- Improve system reliability, scalability, and engineering standards across the team.
What they ask for
- Experience with Ruby on Rails or comparable frameworks designing and running APIs.
- Strong grasp of relational databases and caching, including safe schema changes and migrations.
- Familiarity with distributed systems fundamentals and exposure to high-scale architectural patterns.
- Maintainable, well-tested code and strong cross-functional communication.
Nice to have
- Interest in data-driven systems and third-party data integration; fintech or risk experience is a plus.
- Start-up experience is a plus.
Pay
$133,000 — $184,000 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 development duties are stated.
Model-written summary · the original posting is authoritative