Software Engineer, Instant Loans

Chime Financial•San Francisco, CA

10d•$133,000 - $184,000•Hybrid

About The Position

Chime’s Instant Loans team builds products that give members upfront liquidity for larger, specific needs, with clear, predictable repayment that helps them build credit responsibly. As an engineer on the team, you’ll work across the stack to build and scale services that offer a few hundred to a few thousand dollars over terms from months to years, making fair credit accessible to people who are often denied by traditional banks. This role is ideal for engineers who want to move quickly, collaborate closely with product, design, data, and risk, and care deeply about expanding financial access and stability for millions of members. 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 Design, develop, test, refactor and scale backend implementations of new and existing consumer product features Work on member-facing mobile app, including designing and building strong, resilient APIs that power key member experiences. Collaborate with cross functional teams to understand member pain points and come up with solutions Develop thoroughly tested code and conduct quality assurance on all new code alongside our QA team Proactively identify opportunities for improving the reliability and scalability of our systems Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

Requirements

3+ years developing software in a production environment at scale
Proven experience with Ruby on Rails or comparable frameworks
Comfort working across the stack and an eagerness to learn new technologies
Experience designing APIs, working with transactional databases and caching systems
A product mindset with a strong bias toward experimentation, iteration, and measuring impact
Exposure to large-scale architecture patterns and an appreciation for clean, maintainable code
A collaborative spirit and strong communication skills, with experience working cross-functionally
Experience working in a fast-paced, product-focused environment (Fintech experience is a plus)

Nice To Haves

Fintech experience is a plus

Responsibilities

Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
Work on member-facing mobile app, including designing and building strong, resilient APIs that power key member experiences.
Collaborate with cross functional teams to understand member pain points and come up with solutions
Develop thoroughly tested code and conduct quality assurance on all new code alongside our QA team
Proactively identify opportunities for improving the reliability and scalability of our systems
Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

Benefits

Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute
Competitive salary based on experience
401k match plus great medical, dental, vision, life, and disability benefits
Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off
1% of your time off to support local community organizations of your choice
Annual wellness stipend to use towards eligible wellness related expenses
Up to 24 weeks of paid parental leave for birthing parents and 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 to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!
A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress