Software Engineer, Deposits & Insights

Chime Financial, Inc • San Francisco, CA

7d • Hybrid

About The Position

The Deposit & Insights team is looking for a skilled backend engineer to join our team. You'll be leveraging deeply individualized spending insights and member spending behavior to give our members access to the best tools that enable them to spend safely. This role involves collaborating cross functionally, experimenting quickly, and iterating on solutions to find the best points of conversion.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.
In this role, you can expect to
Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
To thrive in this role, you have
3+ years of experience developing software in a production environment at scale
Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
Proven experience with Ruby on Rails or comparable frameworks
Experience with transactional databases and caching systems
Deep understanding of architectural patterns for large-scale web applications
Commitment to mentoring engineers and fostering team development
An appreciation of maintainable and well-tested code
Curiosity and passion for diving deeply into system architectures and technical challenges
Experience in fast-paced or early-stage environments is a strong plus
#LI-Onsite #LI-AA1

Requirements

• 3+ years of experience developing software in a production environment at scale
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
• Proven experience with Ruby on Rails or comparable frameworks
• Experience with transactional databases and caching systems
• Deep understanding of architectural patterns for large-scale web applications
• Commitment to mentoring engineers and fostering team development
• An appreciation of maintainable and well-tested code
• Curiosity and passion for diving deeply into system architectures and technical challenges

Nice To Haves

• Experience in fast-paced or early-stage environments is a strong plus

Responsibilities

• Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
• Participate in on-call rotation, responding to incidents outside of regular working hours when necessary.

Benefits

• Bonus
• Competitive equity package
• Backup child, elder, and/or pet care
• Subsidized commuter benefit
• 401k match
• Medical benefits
• Dental benefits
• Vision benefits
• Life benefits
• Disability benefits
• Generous vacation policy
• Company-wide Chime Days
• Company-wide paid days off
• 1% of your time off to support local community organizations
• Annual wellness stipend
• Up to 24 weeks of paid parental leave for birthing parents
• 12 weeks of paid parental leave for non-birthing parents
• Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
• In-person and virtual events

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed