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Chime Financial, Inc

Software Engineer, Lending

San Francisco, CA, USA$133k–$184kfull-timemidAdded today

About this role

Build backend systems and platforms for Chime's lending products, working across credit decisioning, fund movement, and loan servicing. Own technical initiatives that span multiple products and teams while ensuring correctness, reliability, and operational excellence in financial systems serving millions of members.

What you'll do

  • Design and develop backend systems for lending products including underwriting, eligibility, ledgering, and repayment
  • Own features end-to-end from design through deployment and scaling
  • Build and maintain resilient APIs that power member-facing mobile experiences
  • Lead technical initiatives and strategy across product and platform boundaries
  • Collaborate with Product, Risk, Data Science, Finance, and Operations teams to translate requirements into durable solutions
  • Ensure systems maintain correctness, auditability, and high operational standards

What they're looking for

  • Backend systems design and development
  • Real-time financial transaction processing
  • API design and mobile integration
  • Distributed systems and scalability
  • Data consistency and ledger management
  • Cross-functional technical leadership
  • Testing and code quality practices
  • Operational excellence and monitoring

Benefits

  • Competitive base salary ($133,000–$184,000)
  • Performance bonus
  • Equity package
  • Health and wellness benefits
  • Impact on millions of members' financial lives
  • Broader scope and cross-team influence
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Chime Financial, Inc

Chime Financial, Inc builds financial products and services for millions of members, including earned wage access, instant loans, and membership features. The company is hiring full-stack engineers, backend service developers, trust and safety engineers, and ML platform engineers to build scalable systems powering member engagement, risk management, lending, and financial transactions.

View all jobs at Chime Financial, Inc

Likely interview questions

  • Describe your experience building financial or payment systems at scale—what made them complex and how did you ensure correctness?
  • Tell us about a time you led a technical initiative that required coordination across multiple teams. How did you manage dependencies and competing priorities?
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