Software Engineer, Lending
About The Position
Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes. We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable. As a Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system, not just how one team ships. You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together.
Requirements
- 3+ years building and operating production software at scale
- Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
- Strong grasp of relational databases and caching, including safe schema changes/migrations
- Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
- Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
- Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
- Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
- Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
Nice To Haves
- Start-up experience a plus
Responsibilities
- Independently own and deliver features end-to-end
- Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
- Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
- Collaborate with cross functional teams to understand member pain points and come up with solutions
- Proactively identify opportunities for improving the reliability and scalability of our systems
- Work across the engineering team to improve and uphold high technical standards
- Grow into owning larger components of the system over time
Benefits
- bonus
- competitive equity package
- In-office perks including backup child, elder, and/or pet care
- subsidized commuter benefit
- 401k match
- great medical, dental, vision, life, and disability benefits
- Generous vacation policy
- 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
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
