Software Engineer, Credit Risk Platform
At a glance
AI generatedTL;DR
Join Chime Engineering’s Credit Risk Platform team as an experienced backend engineer where you’ll design and develop critical services and tools that manage credit risk across multiple products like Loans, MyPay, and SpotMe. You’ll work on building reusable platform components to streamline the launch of new credit products while ensuring robust decision-making processes are in place. Your day-to-day will involve integrating third-party data sources, enhancing workflows for Credit Risk teams, and implementing reliable observability features. This role requires 3+ years of production software development experience with Ruby on Rails or similar frameworks, proficiency in relational databases and caching systems, and a solid understanding of distributed system design principles. Ideal candidates are passionate about maintainable code and operational excellence, collaborating closely across various teams to deliver impactful solutions that enhance financial product reliability and scalability.
Skills
What you'll do
- Design and develop backend services for multiple credit products to support risk strategy.
- Create reusable platform components to streamline new product launches without duplicating risk controls.
- Build workflows enabling Credit Risk teams to adjust strategies with proper guardrails and review processes.
- Integrate third-party data sources, ensuring validation, error handling, and resilience in decisioning systems.
- Implement monitoring tools including instrumentation, dashboards, and alerts for key risk signals.
What we're looking for
- 3+ years of software development in production environments.
- Expertise in Ruby on Rails or similar frameworks for API development.
- Proficiency with relational databases and caching systems, including schema changes.
- Understanding of distributed system concepts like async processing and retries.
- Commitment to writing maintainable, well-tested code and improving existing systems.
- Ability to collaborate across teams to clarify requirements and deliver incrementally.
- Experience integrating third-party data sources for decisioning and monitoring.
Employer
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 25 open roles on FindRole.
Listed pay typically runs $227,000–$227,000 across 25 roles with salary data.
Most-posted roles
- Data Governance Engineer 1
- Director, Marketing Technology 1
- Engineering Manager, Data Platform 1
- Engineering Manager, Mobile Client Foundation 1
- Insights Analyst, Dispute Experience 1