Senior Full-Stack Software Engineer, Unsecured Cards

San Francisco Usa, United StatesOn-site

Responsibilities

Own and drive end-to-end development of complex product features, from shaping technical approach through implementation and launch
Lead multi-engineer efforts within the team, helping break down problems, define scope, and drive execution
Design and build scalable systems across backend services and frontend applications (web and mobile) supporting millions of members
Collaborate closely with cross-functional partners — product, design, risk, credit, legal, and compliance — to deliver high-impact features
Mentor and support other engineers, helping improve team velocity, code quality, and overall execution

Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
experience building APIs and services with Ruby on Rails or comparable frameworks, with working knowledge of modern frontend frameworks (e.g., React, React Native) •
Experience with transactional databases and caching systems, and an appreciation for clean, well-tested, maintainable code
experience working closely with product managers, designers, and other engineers
Experience in fintech, lending, or other regulated/credit domains is a strong plus

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-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.

If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com .

Chime's Cards team is hiring a Senior Full-Stack Engineer to help build and scale our newest card products.
You'll work across the stack to ship member-facing experiences and the backend systems that power them — solving complex problems in a fast-moving space and partnering closely with product, design, risk, credit, and compliance to deliver products members trust with their financial lives.
These efforts introduce new product constructs and require evolving core systems while delivering seamless, reliable experiences at scale.
You'll help define solutions amid ambiguity and ship features that support millions of Chime members.
Work through ambiguity to define solutions, structuring problems and aligning technical decisions with product and business goals
Contribute to technical design decisions, balancing tradeoffs across performance, reliability, and long-term maintainability
Raise the bar for engineering quality through thoughtful code reviews, testing practices, and improving team standards
experience building production-grade software, with a track record of shipping reliable, user-facing features •
Experience owning projects or major features end-to-end, including design, implementation, and delivery
Comfort operating in ambiguous, fast-moving environments, where you help define solutions rather than just implement them