Software Engineer, Credit Line at Chime

<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;">SpotMe provides our members with liquidity when and where they need it so they can still buy groceries, pay for transportation or cover unexpected expenses when money is tight. We’re looking for a backend engineer to help build and operate our services that make this possible. You’ll join a tight-knit, collaborative team that holds a high bar for quality, learns together and cares deeply about solving real member problems.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">Our members regularly tell us SpotMe is one of the main reasons they recommend Chime. If you’re curious, collaborative and excited to grow as a product-minded backend engineer, this is a chance to work on a beloved, high-impact feature at meaningful scale.</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 $133,000 and up to $184,000. 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.&nbsp;</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;">Design, develop, test and scale backend APIs and services of new and existing product features</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Collaborate closely with mobile, product, design, risk and data partners to understand member pain points and turn them into simple and reliable solutions</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Proactively identify opportunities for improving the reliability and scalability of our systems</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Work across the engineering team to improve and uphold high technical standards</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Participate in code reviews, on-call rotations and incident follow-ups to grow quickly while helping the team raise the bar on quality and operational excellence</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;">3+ years developing software in a production environment at scale</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Proven experience with Ruby on Rails or comparable frameworks</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience working with transactional databases and caching systems</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Exposure to architectural patterns of large, high-scale web applications</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">An appreciation of maintainable and well-tested code</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">A collaborative, low-ego working style. You enjoy pairing with others, giving and receiving feedback and helping your teammates succeed</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Enjoyment in learning and diving into the deepest levels of how things work</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Start-up experience as an added plus</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">A strong product and member mindset. You care about the real people on the other side of the API and are motivated by seeing your work have a positive impact</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;">#LI-Hybrid #LI-SB1</span></p><div class="content-conclusion"><h2><span style="font-family: helvetica, arial, sans-serif;"><strong>A little about us</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.&nbsp;</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">Because if we don't—who will?</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">*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.</span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>What we offer for our full-time, regular employees</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🏢 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.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">💰 Competitive salary based on experience</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">✨ 401k match plus great medical, dental, vision, life, and disability benefits</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🫂 1% of your time off to support local community organizations of your choice</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">👟 Annual wellness stipend to use towards eligible wellness related expenses</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">🎉 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!</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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: <span style="text-decoration: underline; color: rgb(35, 111, 161);"><a style="color: rgb(35, 111, 161); text-decoration: underline;" href="mailto:[email protected]">[email protected]</a></span>.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">To learn more about how Chime collects and uses your personal information during the application process, please see the&nbsp;<a href="https://www.chime.com/careers/chime-applicant-privacy-notice/"><span style="text-decoration: underline; color: rgb(35, 111, 161);">Chime Applicant Privacy Notice</span>. </a></span></p></div>