Senior Software Engineer, Lending at Chime (New York)

Chime is a fintech company offering banking services and personal loans to millions of members. As a Senior Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area.

Key responsibilities

• Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk
• Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration
• Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious
• Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse
• Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability
• Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending

Requirements

• 8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end
• Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs
• Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
• Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed
• A track record of leading complex projects that span multiple teams, systems, or business workflows
• Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability

Location and schedule

• Onsite in New York, New York

Salary and benefits

US base salary $164,000 to $259,000 a year. Chime also offers benefits; the full list is on the posting.

How to apply

Apply on the company's own site.