Software Engineer, Lending

Chime

Confirmed live yesterday High trust

Hybrid

Quick summary

Work type: Hybrid
Location: San Francisco, CA
Posted: 43 days ago
Freshness: Confirmed live yesterday
Nearby: 99+ roles within 25 mi

Market check

Salary context

How this pay compares to similar roles

Similar $179k

$134k most similar roles pay here $225k

This listing doesn't post a salary. Most similar roles pay $142,400–$216,300.

Based on 240 similar postings.

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 35 open roles on FindRole.

Most-posted roles

View all roles at Chime

At a glance

TL;DR · Software Engineer, Lending

Role Posting Log in to save

Software Engineer, Lending joins the Lending team to build products and platforms providing members with access to credit and liquidity. This role sits at the intersection of member-facing features and backend infrastructure, where the engineer will design, develop, and scale robust systems for underwriting, eligibility, ledgering, reconciliation, and capital markets workflows. The candidate will be responsible for building resilient APIs that power mobile applications while ensuring financial correctness and operational rigor in a high-stakes fintech environment. Key technical requirements include experience with Ruby on Rails or comparable frameworks, proficiency with relational databases and caching, and a strong grasp of distributed systems fundamentals like async processing and idempotency. The role requires collaborating across functional teams to solve complex problems involving real-time money movement, risk management, and third-party data integration for various lending products.

What does a Software Engineer earn in California?

Median $214000 from 775 postings across 63 companies.

See salary data

Skills

Ruby on Rails Relational Databases Caching Distributed Systems Async Processing Idempotency Data Integration Fintech

What you'll do

Deliver features end-to-end by designing, developing, testing, and scaling backend implementations for consumer products.
Build resilient APIs in collaboration with the mobile team to power the member-facing application.
Identify and execute opportunities to improve the reliability and scalability of core systems.
Lead technical initiatives that span across multiple product areas, platforms, and partner teams.
Maintain high technical standards by refactoring existing code and ensuring system durability.
Translate ambiguous requirements from cross-functional partners into concrete technical solutions.

What we're looking for

3+ years of experience building and operating production software at scale.
Experience with Ruby on Rails or comparable frameworks for designing and running APIs.
Strong grasp of relational databases and caching, including safe schema changes and migrations.
Familiarity with distributed systems fundamentals such as async processing, idempotency, retries, and backfills.
Knowledge of high-scale architectural patterns and commitment to maintaining well-tested code.
Excellent cross-functional communication skills to clarify requirements and weigh technical tradeoffs.
Interest in data-driven systems and third-party data integration.
Experience in the fintech or risk sectors is preferred.