Staff Software Engineer, Spending

Chime•San Francisco, CA

3d•Hybrid

About The Position

Chime's Banking Products team is on a mission to make Chime the top choice for everyday spending by building innovative, reliable, and member-first financial tools. We focus on driving active spend and usage, increasing reliability and availability, and delivering seamless, trusted experiences across cards, credit, money movement, deals, and transaction intelligence. Our work empowers members to manage their money with confidence, spend smarter, and improve their long-term financial health. We're looking for a Staff Product Engineer who thrives at the intersection of product, platform, and scale. In this role, you'll operate as a subject matter expert and technical leader across domains, guiding the architecture and implementation of systems that impact millions of members. You'll shape technical strategy, influence product direction, and drive cross-team initiatives that materially improve the member experience and the engineering craft at Chime. The base salary offered for this role and level of experience will begin at $198,990 and up to $281,900. 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. A little about us At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential. Because if we don't—who will? Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Requirements

8+ years of experience in software engineering
Deep understanding of system design, service boundaries, and product-engineering tradeoffs
Ability to influence technical and product direction across teams and orgs
Track record of driving measurable impact on business and engineering goals
Strong communication and collaboration skills; able to lead through influence
Experience working in a fast-paced, product-focused environment (Fintech experience is a plus)

Responsibilities

Lead the design and implementation of high-impact, member-facing systems across multiple domains such as Cards, Credit Progress, and Money Movement
Collaborate closely with product managers, designers, and data scientists to shape product direction and ensure technical feasibility and excellence
Set the technical vision for critical systems with a forward-looking, scalable approach that aligns with Chime's goals and reliability standards
Identify and solve systemic challenges related to performance, availability, and operational efficiency across the Banking Products stack
Mentor senior engineers, elevate engineering practices, and drive consistency in quality, architecture, and code craftsmanship across teams
Represent Chime externally through recruiting, open source, technical talks, or community engagement

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