# Software Engineer, Lending at Chime

- Company: Chime
- What the company does: Backed by SoftBank VF, ICONIQ and Menlo.
- Company website: https://www.chime.com/
- Type: Startups
- Level: Mid level
- Location: San Francisco, CA, USA
- Work setup: On-site
- Posted: 2026-07-30
- Apply by: 2026-10-12
- Apply: https://boards.greenhouse.io/chime/jobs/8657011002?gh_jid=8657011002
- Page: https://www.1752.vc/careers/jobs/chime-software-engineer-lending/

## 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

Tags: Lending Engineering