Software Engineer, Jade - AI Financial Partner

Chime Financial•San Francisco, CA

6d•Hybrid

About The Position

Jade is Chime’s AI financial partner, helping members better understand and manage their money. The Software Engineer will build and support the services, APIs, and integrations behind Jade, enabling members to interact with AI within the Chime experience. The backend primarily uses Python, and engineers with strong experience in other languages are welcome if they are interested in learning Python. The role focuses on delivering member-facing capabilities and improving the quality, reliability, and performance of a new AI-powered product. The engineer will own scoped features from technical design through implementation and rollout, with feedback and support from teammates. They will work with engineering, product, design, and data colleagues to understand member needs and iteratively develop useful experiences. AI or machine-learning specialization is preferred but not required; the team offers opportunities to develop that knowledge. Chime’s in-office policy is four days a week in the office and Fridays from home for employees near an office. Chime also has a fully remote program. The listed base salary range is $133,000–$184,000 USD; full-time employees may also be eligible for bonuses, equity, and benefits. Actual base salary may vary based on location, skills, qualifications, and experience.

Requirements

At least 2 years of software development experience in a production environment at scale.
Proficiency in a backend programming language such as Python, Go, or Ruby, and ability to write clean, maintainable, well-tested code.
Experience building backend services or applications, including working with APIs and databases.
Strong systems thinking, including reasoning about component interactions, data flows, and potential failure points.
Understanding of distributed systems fundamentals, including service communication, reliability, and trade-offs involving latency, consistency, and scale.
Strong problem-solving and debugging skills, including the ability to break work into manageable steps and explain technical choices.
Collaborative approach, clear communication, willingness to ask questions and incorporate feedback, and ability to learn unfamiliar technologies.

Nice To Haves

Experience with Python and its backend development ecosystem.
Familiarity with large language models, including using model APIs, prompts, or tools to build applications.
Exposure to AI evaluations (evals), such as using test cases, datasets, or experiments to measure response quality and identify regressions.
Familiarity with AI tools and frameworks such as LangSmith, LangChain, LangGraph, Amazon Bedrock, or comparable platforms; experience with a particular tool is not expected.
Experience deploying and supporting a production application, including monitoring, troubleshooting, or working with cloud infrastructure.
AI exposure through professional work, personal projects, or hands-on learning.

Responsibilities

Design, build, and test backend services and APIs that power Jade’s capabilities.
Build integrations connecting AI models with member data, tools, and Chime services.
Own scoped features from technical design through implementation and rollout, with teammate feedback and support.
Contribute to automated evaluations, testing, and experiments to understand model behavior, measure quality, and catch regressions.
Improve system reliability, performance, and observability, and help investigate production issues.
Partner with engineering, product, design, and data teammates to understand member needs and iterate on useful experiences.

Benefits

Eligible full-time employees may receive bonuses and competitive equity.
Backup child, elder, and pet care.
Subsidized commuter benefits for eligible employees.
Comprehensive health, financial, and wellbeing benefits.
Generous vacation policy and company-wide paid days off.
1% of time off to support local community organizations of the employee’s choice.
Annual wellness stipend for eligible wellness-related expenses.
Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents.
Family planning reimbursement.
Opportunity to join an experienced FinTech team and help millions unlock financial progress.