Senior Software Engineer, Lending

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the role</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">As a Senior 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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">The base salary offered for this role and level of experience will begin at $164,000 and up to $259,000. 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. </span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>Why join Lending?</strong></span></h2> <h3><span style="font-family: helvetica, arial, sans-serif;"><strong>Work on systems that matter</strong></span></h3> <p><span style="font-family: helvetica, arial, sans-serif;">The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters.</span></p> <h3><span style="font-family: helvetica, arial, sans-serif;"><strong>Own a bigger surface area</strong></span></h3> <p><span style="font-family: helvetica, arial, sans-serif;">This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and execution across Lending.</span></p> <h3><span style="font-family: helvetica, arial, sans-serif;"><strong>Build where product and platform meet</strong></span></h3> <p><span style="font-family: helvetica, arial, sans-serif;">Some of the most interesting engineering work happens in the seams: where member experience depends on credit strategy, where product velocity depends on platform leverage, and where financial correctness meets business speed. This role sits in the middle of those seams and gives you meaningful influence over how they scale.</span></p> <h3><span style="font-family: helvetica, arial, sans-serif;"><strong>Operate in a fast-moving, high-accountability environment</strong></span></h3> <p><span style="font-family: helvetica, arial, sans-serif;">Lending is a fast-paced fintech environment where we care about moving quickly and building well. We value thoughtful design, strong engineering judgment, high-quality code, and operational excellence. We also actively use AI where it can improve quality, speed, and leverage.</span></p> <h3><span style="font-family: helvetica, arial, sans-serif;"><strong>Grow your technical leadership</strong></span></h3> <p><span style="font-family: helvetica, arial, sans-serif;">At L5, you’ll be expected to do more than deliver strong execution. You’ll lead through ambiguity, drive alignment across teams, shape architecture and engineering patterns, and improve how the org operates over time. This is a strong role for engineers who want to expand their influence and prepare for even larger technical scope.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes over time</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and di