Backed by SoftBank VF, ICONIQ and Menlo.
About the role
Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes.
What they're looking for
- 3+ years building and operating production software at scale
- Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
- Strong grasp of relational databases and caching, including safe schema changes/migrations
- Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
- Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
- Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
More about this role
Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes.
We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable.
As a 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. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system, not just how one team ships.
You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner...
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