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.