Senior Software Engineer, Lending

Chime

Hybrid

Quick summary

Work type
Hybrid
Location
New York, NYSan Francisco, CA
Posted
1 day ago
Nearby
99+ roles within 25 mi

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Salary context

How this pay compares to similar roles

Similar $175k
$106k most similar roles pay here $244k

This listing doesn't post a salary. Most similar roles pay $149,262–$201,558.

Based on 240 similar postings.

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About Chime

Chime is a financial technology company offering mobile-first banking services including fee-free checking accounts, savings accounts, and a secured credit builder card through partner banks. Industry: Financial Technology & Neobanking

Chime currently has 31 open roles on FindRole.

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At a glance

TL;DR · Senior Software Engineer, Lending

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As a Senior Software Engineer (L5) in Chime’s Lending organization, you’ll work on building backend systems that connect member-facing lending products with shared platforms like Credit Risk and Capital Markets. Your day-to-day will involve leading complex initiatives across multiple teams, ensuring technical alignment, and driving the evolution of APIs and integration patterns to enhance product velocity without compromising safety or correctness. You must have a strong background in backend engineering, ideally with Ruby on Rails, and experience in fintech domains where operational rigor is critical. This role requires expertise in transactional databases, asynchronous processing, caching, and large-scale application architecture, along with the ability to mentor other engineers and influence technical direction across team boundaries.

Skills

Ruby on Rails API design Distributed systems Transaction databases Asynchronous processing Caching System design Fintech CI/CD AWS Kubernetes Python Ruby PostgreSQL Redis GraphQL Microservices Terraform GitOps Prometheus Grafana

What you'll do

  • Lead end-to-end architecture and delivery of backend systems connecting lending products with shared platforms.
  • Drive complex, cross-team initiatives from problem definition through implementation and rollout.
  • Define and evolve APIs and integration patterns for product teams to move faster without compromising safety or correctness.
  • Design scalable, resilient, observable systems with strong handling of failures and edge cases.
  • Influence technical direction across team boundaries by clarifying ownership and reducing integration friction.

What we're looking for

  • 8+ years experience building and operating production software at scale
  • Strong backend engineering skills, including Ruby on Rails or similar framework
  • Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
  • Track record of leading complex projects spanning multiple teams and systems
  • Experience in fintech, lending, banking, payments, risk, or related high-integrity domains
  • High ownership mindset and ability to operate effectively in ambiguous environments
  • Strong communication skills and influence across engineering and cross-functional teams

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