# Senior Software Engineer, Lending

**Company**: Chime
**Location**: New York, NY
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Salary**: $164,000-$259,000 USD
**Category**: Engineering
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/chime/jobs/8656937002?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_468443cd-8ab

## Description

Chime's Lending org builds products and platforms for fair, transparent credit and liquidity. As a Senior Software Engineer in Lending, you'll work at the seam between member-facing products and the platforms that make them possible. You'll lead technical initiatives that cut across products, platforms, and partner teams.

Responsibilities:

- Lead end-to-end architecture and delivery of backend systems connecting member-facing lending products with shared platforms.

- Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration.

- Own technical problems with real business and member impact.

- Define and evolve APIs, integration patterns, and data contracts.

- Design for scale, resiliency, observability, and operational excellence.

- Identify opportunities to turn one-off product needs into reusable platform capabilities.

- Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations.

- Influence how product and platform teams work together.

- Participate in on-call and incident response.

- Mentor other engineers.

- Contribute to roadmap and strategy conversations.

Requirements:

- 8+ years of experience building and operating production software at scale.

- Strong backend engineering fundamentals, ideally with Ruby on Rails.

- Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture.

- Strong system design judgment.

- A track record of leading complex projects.

- Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains.

- A high-ownership mindset and comfort operating in ambiguity.

- Strong communication and collaboration skills.

- A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes.

- Experience mentoring engineers.

Nice-to-have:

- Experience with lending or credit systems.

- Experience with financial platform domains.

- Familiarity with experimentation, analytics, and data-informed systems.

- Experience helping product teams adopt shared platform capabilities.

Benefits:

- Competitive salary ($164,000-$259,000 USD).

- Bonus(es) and competitive equity.

- Comprehensive health, financial, and wellbeing benefits.

- Generous vacation policy and company-wide paid days off.

- 1% of your time off to support local community organizations.

- Annual wellness stipend.

- Up to 22 weeks of paid parental leave.

- Access to family planning reimbursement.

## Skills

### Required
- Ruby on Rails
- backend engineering
- system design
- fintech
- leadership

### Nice to have
- lending or credit systems
- financial platform domains
- experimentation
- analytics
- data-informed systems

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/chime/jobs/8656937002?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)