Job Details

Chime's Secured Card team is hiring an engineer to help scale and evolve Chime Card—our flagship product that helps members safely build credit without debt. In this role, you'll dive into high-impact projects across our service architecture, collaborating with product, risk, and design partners to deliver resilient, secure systems. While your focus will be backend, we're looking for someone who's excited to roll up their sleeves and contribute wherever it's needed most to move the team forward.

The base salary offered for this role and level of experience will begin at $164,000.00 and up to $227,000.00. 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.

In this role, you can expect to

• Drive technical design and architectural decisions, while mentoring engineers and fostering cross‑functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low‑latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision‑making at scale

To thrive in this role, you have

• 5+ years of experience developing software in a production environment at scale
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross‑functional teams
• Proven experience with Ruby on Rails or comparable frameworks
• Experience with transactional databases and caching systems
• Deep understanding of architectural patterns for large‑scale web applications
• Commitment to mentoring engineers and fostering team development
• An appreciation of maintainable and well‑tested code
• Curiosity and passion for diving deeply into system architectures and technical challenges
• Experience in fast‑paced or early‑stage environments is a strong plus

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.

What we offer for our full‑time, regular employees

• ???? 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

We know that great work can't be done without a diverse team and inclusive environment. That's why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com .

We are committed to providing a welcoming and inclusive work environment, and that starts with our application process. To hold ourselves accountable for equitable and inclusive hiring practices, we ask candidates to voluntarily complete a brief survey that helps us ensure equal employment opportunities. We believe that diversity, equity, and belonging—DEB— is essential to our ability to help our diverse member base and continue delivering on our mission to provide them with financial peace of mind. Any individual who wants to work with us will be considered without regard to their race/ethnicity, religion, national origin, age, sex, marital status, ancestry, disability, gender identity, or sexual orientation.

Your responses will be reported in aggregate only. Please be assured that your responses (or choosing not to identify) will have zero impact on your candidacy; this information is maintained confidentially and always stored separately from your application.

This information will be stored in Greenhouse (you can review Greenhouse's privacy policy here). Access inside Chime to this information is restricted to selected members of the People team, who are committed to keeping details confidential. Greenhouse will retain this information, along with the rest of the information provided in your application, 18 months from your application date, after which all application information will be anonymized and stored only in that form. Once information is anonymized, neither we nor Greenhouse can determine the individual to whom it once belonged.