Tech Lead Manager, Decision Platform
About the role
Chime is looking for an engineering leader to help manage and guide one of the Trust & Safety engineering teams. Chime’s Trust & Safety org is on a mission to protect our members and fuel durable growth. In practice, that means earning member trust through secure, seamless experiences; preventing fraud and abuse; reducing unnecessary friction; and meeting regulatory obligations while enabling responsible growth.
We're hiring Tech Lead Managers (TLM) for multiple squads in Trust & Safety. TLMs at Chime manage a team of 3-5 engineers: Setting the hiring bar, coaching and developing talent, and driving all formal people management activities. They own execution and delivery for the squad. They stay in the code, authoring and shipping features alongside their team.
The base salary offered for this role and level of experience will begin at $211,000 and up to $248,000. 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 this role, you can expect to:
- Manage and develop a squad of 4-5 engineers: Hiring, 1:1s, career coaching, managing for performance
- Own delivery for your squad end to end, from sprint planning and delivery commitments through service SLAs and operational health
- Write and ship code alongside your team, authoring pull requests that land in production
- Be accountable for the squad's technical direction, architecture, and quality bar, either via a tech lead on the squad, or by taking on the tech lead role yourself.
- Use AI coding agents and tooling to raise both your own leverage and your squad's, and establish the practices that make that durable for the team
- Partner with Product and Design on scope, prioritization, and quarterly planning, surfacing technical dependencies and capacity needs early
- Act as the squad's cross-functional point of contact for its technical capabilities and dependency coordination, and carry the "what should we build" conversation if/when a PM isn't dedicated to your squad
- Identify technical debt and advocate for sustainable engineering, staying an active contributor to the codebase
- Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
- Build growth paths for the engineers on your squad towards the higher IC levels or a future TLM role
- Contribute to broader T&S and Chime engineering initiatives as a member of the engineering leadership team
To thrive in this role, you have:
- 2+ years in people management responsibilities.
- Current, hands-on coding ability and the desire to keep it. You are writing code today and want a role where that continues.
- A track record of using AI-assisted development tools such as Claude Code, Codex, or Cursor to accelerate real delivery, and of getting a team to adopt them with measurable impact on output
- Experience supporting coaching members of your team around project execution, skill development, and career progression.
- Interest in pushing the technology, people, and organization envelope to explore new ways we can deliver amazement to our customers.
- Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics.
- A fascination in how to make teams and people thrive.
- Enjoyment in learning and diving into the deepest levels of how things work.
- The ability to motivate a team through delivery on aggressive schedules and goals.
- Experience with similar tech: Ruby, React Native, Distributed Systems, AWS services (data, compute) and Service Oriented Architectures.
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: accommodations@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Tech Lead Manager, Human Agent Tooling
About the Role
Chime is looking for a hands-on engineering leader to guide the Human Agent Tooling team within Trust & Safety. As a Tech Lead Manager, you’ll lead a squad of 3–5 engineers, set the hiring bar, coach and develop talent, and own execution and delivery. You’ll also remain deeply involved in the technical work, writing and shipping production code alongside your team.
The Human Agent Tooling team builds the software Chime’s support agents use to understand member needs, take the right actions, and resolve issues quickly and safely. This includes the agent workspace, case management tools, real-time member context, and access controls. You’ll help modernize this platform and partner closely with Product, Operations, and support agents to make every human support interaction faster, safer, and more effective.
The base salary offered for this role and level of experience will begin at $187,000 and up to $259,000. 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 this role, you can expect to
- Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
- Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
- Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
- Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
- Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
- Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
- Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
- Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
To thrive in this role, you have
- 5+ years of experience developing software in a production environment at scale
- Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
- Proven experience with Ruby on Rails or comparable frameworks
- Experience with transactional databases and caching systems
- Deep understanding of architectural patterns for large-scale web applications
- Commitment to mentoring engineers and fostering team development
- An appreciation of maintainable and well-tested code
- Curiosity and passion for diving deeply into system architectures and technical challenges
- Experience in fast-paced or early-stage environments is a strong plus
#LI-Onsite #LI-AA1
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: accommodations@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Senior Data Scientist, Referrals
About the role
We are hiring a Sr. Data Scientist, Referrals to help us understand how our referral investment drives member acquisition and long-term value. Unlike traditional paid channels, referrals operate through member-to-member advocacy, dual-sided incentives, and viral loops, requiring a distinct measurement lens that accounts for organic bleed, incentive sensitivity, and long-term referred member behavior.
As our Sr. Data Scientist, Referrals, you will partner closely with the Referrals team to measure, optimize, and scale spend across the referral channel. You will bring expertise in campaign sizing, operational planning, and channel forecasting, helping the team plan confidently and allocate resources effectively. You will bring rigor to how we evaluate incrementality, attribution, and efficiency, moving us to a defensible view of what our referral dollars actually deliver.
The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000. 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 this role, you can expect to
- Partner with Referrals to define KPIs and measurement frameworks across campaigns and audiences
- Size and scope referral campaigns in partnership with marketing, product and finance: translating acquisition goals into expected spend, volume, and ROI projections ahead of launch, and supporting operational planning for campaign execution
- Build and maintain forecasting models for the referral channel, projecting member acquisition volume, cost, and downstream LTV under different spend scenarios, seasonality assumptions, and campaign configurations
- Develop attribution approaches that reconcile platform-reported performance with observed member behavior, accounting for the complexity of dual-sided referral incentives and organic word-of-mouth overlap.
- Design and analyze geo experiments, holdouts, and platform lift studies to quantify incremental lift and separate true impact from correlation
- Build and maintain dashboards that give clear visibility into spend, CAC, funnel conversion, and downstream LTV by campaign
- Collaborate with Data Engineering to improve tracking, data quality, and the pipelines behind spend, click, and conversion data
- Translate complex analyses into clear, actionable recommendations for cross-functional leadership
To thrive in this role, you have
- 4+ years of experience in referral programs and in marketing, growth, or product analytics. Experience in FinTech preferred.
- Experience with marketing campaign planning and sizing: comfortable working from business goals backward to estimate required spend, expected member volumes, and unit economics, with an understanding of how campaigns are operationally structured and executed
- Forecasting experience for a marketing or growth channel: building models that project forward-looking performance and communicating forecast uncertainty and scenario sensitivity to cross-functional stakeholders
- Strong experience designing and evaluating incrementality tests: geo experiments, holdouts, and platform lift studies
- Working knowledge of causal inference methods including experiment design, holdout analysis, and techniques for isolating organic from incentive driven behavior
- Advanced SQL skills and proficiency in Python or R for analysis and modeling
- Experience building dashboards (e.g., Looker, Tableau, or similar BI tools) that drive stakeholder decision-making
- A strong understanding of attribution concepts and the challenges of measurement in a privacy-constrained, cross-device environment
- The ability to communicate complex findings clearly to both technical and non-technical partners and influence decisions with data
#LI-Hybrid #LI-AM1
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: accommodations@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Director Engineering
About the role
Chime is looking for a Director of Engineering to lead our AI & App Experience (AAX) organization — the team building the next generation of the Chime member experience. AAX owns Jade, Chime’s AI-powered financial assistant, our AI platform infrastructure as well as the core app experiences and shared design system.
In this role, you’ll own the multi-quarter strategy for AAX engineering, translating company priorities into scalable plans across these teams. You’ll build and lead a bench of TLM (tech leader managers) and senior technical staff, set the technical bar for how Chime builds AI-native, member-facing products, and partner with Product, Design, Data Science, and our Risk team to shape where AAX invests next.
This is a role for a leader who is equally comfortable setting long-range technical vision and staying close enough to the details to guide hard architectural calls — someone who has helped build or scale AI/LLM-powered consumer products and knows how to grow the engineering leaders around them.
The base salary offered for this role and level of experience will begin at $269,000.00 and up to $373,000.00. 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 this role, you can expect to
- In partnership with our product team you will own the multi-quarter strategy for AAX engineering, translating company and product priorities into our roadmap plans across consumer facing AI experiences, AI Platform, App Journey, and Design Systems.
- Build, lead, and hire a high-caliber leadership bench of highly technical leaders/IC’s as well as building a team culture that exemplifies a builder mindset.
- Partners with your team to set technical direction for the org, driving architectural alignment across our consumer facing AI experiences, AI Platform, App Journey, and Design System.
- You will continue to drive our AI-native engineering culture: setting the bar for how LLM-powered features get shipped safely at scale.
- Own engineering’s strategic role in product direction, partnering with Product, Design, Data Science, and Risk leadership to shape roadmaps, challenge assumptions, and integrate platform and member value into long-range plans
- Represent AAX and engineering more broadly in cross-functional and executive forums, connecting the org’s work to company-wide strategy and outcomes
- Cultivate a high-performing culture across the org, modeling Chime’s values and ensuring strong talent, performance, and career development practices on every team
- Ensure the org maintains strong operational practices — on-call, monitoring, and incident response — for every service/experience the team owns
- Contribute to overall engineering initiatives as a member of Chime’s engineering leadership team
To thrive in this role, you have
- 10+ years of software engineering experience, including 5+ years managing managers or leading multi-team engineering organizations
- A track record of building and scaling AI/LLM-powered consumer products, with the technical depth to guide future investments and technical direction.
- Experience hiring, developing, and retaining engineering leaders (TLM’s and Staff+ ICs), and building leadership pipelines and succession plans
- Strong technical fundamentals across relevant parts of the stack (e.g., React Native, Python or Ruby on Rails, GraphQL, distributed systems) and the judgment to know where to go deep
- Demonstrated ability to translate company and product strategy into multi-quarter engineering plans, and to adapt org design as priorities and scale evolve
- Excellent executive communication skills — you can craft a compelling narrative that connects org strategy to business outcomes for senior leaders and cross-functional partners
- Experience partnering closely with Product, Design, Data Science, and Risk/Compliance functions in a regulated or high-trust environment (fintech experience a strong plus)
- AI-native fluency and a genuine interest in AI-native ways of working, with a track record of fostering that practice across teams rather than treating it as someone else’s job
- The desire to make a huge difference at a growing company, and the ability to motivate teams through delivery on aggressive schedules and goals
#LI-JC1 #LI-Onsite
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Software Engineer, Communication Platform
About the role
We’re looking for a strong engineer who has a passion for building scalable systems and who can help drive and innovate on our communication platform at Chime! In this role, you would be developing fullstack, from building out our backend infrastructure, to defining the messaging interface on our apps for our members. As a foundational member of this team, you would drive key architectural changes to the layer that powers messaging for millions of members.
The Communication Platform team aims to provide a high quality platform to help our members work towards better financial health, while accelerating development velocity within Chime. As a small and nimble team, each person has a profound impact on the experience of each of our millions of users.
The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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 this role, you can expect to
- Design, develop, test, release, and scale changes to our mobile and backend architecture
- Collaborate effectively with the cross functional team to solve complex problems within the team domain
- Develop thoroughly tested code and conduct quality assurance on all new code
- Work in a team as well as independently to deliver on goals to accelerate development velocity while delivering the best experience to our members
To thrive in this role, you have
- A minimum of 3 years experience of fullstack development
- Experience in backend development and frameworks (Bonus: GraphQL, Ruby)
- Experience in mobile development and frameworks (Bonus: React Native)
- Experience working cross functionally and collaborating well with team members
- Understanding of architectural patterns of large production services built for scale. Ability to safely make changes without disrupting and introducing regressions to millions of users.
- A passion for learning and sharing knowledge alongside teammates, with self-motivation and keen attention to detail
- A strong empathy for the users of the products you create
#LI-Onsite #LI-AC2
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Software Engineer, AI Enablement
About the role
As a Software Engineer on the AI Enablement team, you will contribute to the internal platforms, primitives, and guardrails that make AI a trusted co-pilot for employees across Chime.
You'll work on systems like Archimedes, Bosun, and easyRAG that power internal AI assistants, developer workflows, and retrieval-backed applications. These platforms make it easier for teams across the company to build, adopt, and scale LLM-powered tools safely and effectively.
This team defines Chime's golden paths for AI: opinionated but flexible patterns that help teams move quickly while maintaining safety, reliability, cost control, and governance. In this role, you'll build on and extend these patterns — shipping real features on production AI platforms while developing your depth in AI-specific engineering practices.
You'll collaborate with Platform Engineering, Security, Risk, Legal, and product teams to build scalable, well-governed systems that support internal AI use cases from early prototyping through production adoption.
The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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 this role, you can expect to
- Contribute to and extend internal AI platforms such as Archimedes, Bosun, and easyRAG, helping teams develop and scale LLM-powered applications and workflows
- Build reusable platform capabilities such as APIs, SDKs, templates, and shared services that make it easier to develop safe, high-quality AI-powered tools
- Prototype and productionize new AI capabilities alongside senior engineers, turning successful patterns into durable platform features
- Apply Chime's golden path patterns for LLM usage, and help refine them as you deepen familiarity with the systems
- Build features that let teams launch AI-powered assistants and workflows in a standardized, observable, and governed way
- Learn and apply evaluation, observability, and cost-management practices across AI systems — including quality, latency, safety, and spend
- Partner with Security, Risk, and Legal to implement guardrails for responsible AI development and usage
- Collaborate with engineers across Chime to embed AI into internal tools, workflows, and employee experiences
To thrive in this role, you have
- Experience as a software engineer with a track record of shipping production-quality features in a distributed system or platform environment
- Hands-on experience working with LLMs or ML services, or strong curiosity and a demonstrated ability to ramp quickly into AI-specific tooling
- Solid coding skills in at least one of Python, Go, or TypeScript/JavaScript, with comfort working across services, CLIs, and internal tooling
- An emerging platform mindset: you think about reuse and building for more than one consumer, not just solving the immediate problem
- Familiarity with — or eagerness to learn — AI-specific engineering concerns such as evaluation, prompt and version management, observability, cost control, safety, and data privacy
- Clear written and verbal communication skills, with the ability to explain technical tradeoffs to teammates and cross-functional partners
#LI-Onsite #LI-WW1
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Tech Lead Manager, Deals and Offers
About the role
Chime's Deals & Offers team helps members get more value out of everyday spend. We build the member-facing deals, cashback, and merchant-offer experiences, plus the offers platform underneath them: the deals catalog, personalization and discovery surfaces, attribution and measurement, and partner integrations that power it all. Our work turns everyday transactions into real savings and gives members a reason to reach for Chime first. The team also owns Chime Wireless, a 0-to-1 vertical product. This is a rare chance to build a new business from the ground up inside a company with millions of members, shaping the product, the systems, and the roadmap from scratch.
We’re hiring a Tech Lead Manager (TLM) to lead this team. TLMs at Chime manage a team of 4–5 engineers, setting the hiring bar, coaching and developing talent, and driving all formal people management activities. They own execution and delivery for the squad while staying in the code, authoring and shipping features alongside their team.
This is a player-coach role: you will manage a group of engineers building both the consumer experiences and the backend systems that serve offers at scale, and you will stay in the code yourself, contributing to features and reviewing your team's pull requests. You will partner closely with Product, Design, Analytics, and partner teams to grow deal discovery, claim, and redemption, while keeping the underlying platform reliable and easy to build on. You will steer technical direction, lead by example, and develop the people on your team.
The base salary offered for this role and level of experience will begin at $199,000.00 and up to $275,000.00. 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 this role, you can expect to
- Lead, hire, and develop a high-performing engineering team, and grow engineers through their next stage of impact
- Stay hands-on: write and ship code on high-leverage projects, and set the technical bar by doing the work alongside your team
- Review your team's pull requests and lead design reviews, raising the bar for quality, testing, and maintainability through direct feedback
- Own the technical direction for the deals and offers surface, from member-facing discovery and redemption experiences to the platform that powers them
- Establish a sense of urgency and direction, set clear team objectives in alignment with organization and company priorities, and hold a high bar for execution
- Drive architecture and technical decisions that keep the deals platform reliable, well-instrumented, and scalable as volume grows
- Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
- Contribute to broader SSI and Chime engineering initiatives as a member of the engineering leadership team
- Manage partner and merchant integrations, working across engineering and external vendors to expand offer supply and improve measurement
- Partner closely with Product, Design, and Analytics to grow deal attach, claim, and redemption, and to turn experiments into durable member value
To thrive in this role, you have
- 2+ years of people management experience, including hiring and developing engineers
- Current, hands-on coding ability and the desire to stay technical; you are excited to contribute code and review PRs, not just manage
- Fluency with AI-assisted development tools such as Claude Code, Codex, or Cursor, and a track record of using them to raise your own and your team's leverage
- A strong technical foundation and the ability to guide architecture and review technical decisions with your team
- Experience shipping consumer product features and running experimentation, with a bias toward iteration and measuring impact
- Experience with service-oriented architectures and building or owning backend platforms at scale; familiarity with our stack (Ruby on Rails, React Native, AWS, distributed systems) is a plus
- Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics
- Experience integrating with third-party partners or vendors is a plus
- Deep empathy for engineers and a genuine interest in how to make teams and people thrive
- The ability to motivate a team through delivery on aggressive schedules and goals
#LI-Onsite #LI-AC1
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
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.
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 closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. 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.
Why join Lending?
Work on systems that matter
The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters.
Own a bigger surface area
This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and execution across Lending.
Build where product and platform meet
Some of the most interesting engineering work happens in the seams: where member experience depends on credit strategy, where product velocity depends on platform leverage, and where financial correctness meets business speed. This role sits in the middle of those seams and gives you meaningful influence over how they scale.
Operate in a fast-moving, high-accountability environment
Lending is a fast-paced fintech environment where we care about moving quickly and building well. We value thoughtful design, strong engineering judgment, high-quality code, and operational excellence. We also actively use AI where it can improve quality, speed, and leverage.
In this role, you can expect to
- Independently own and deliver features end-to-end
- Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
- Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
- Collaborate with cross functional teams to understand member pain points and come up with solutions
- Proactively identify opportunities for improving the reliability and scalability of our systems
- Work across the engineering team to improve and uphold high technical standards
- Grow into owning larger components of the system over time
To thrive in this role, you have
- 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
- Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
- Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
- Start-up experience a plus
#LI-AC2 #LI-Hybrid
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
Engineering Manager, Deals and Offers
About the role
Chime's Deals & Offers team helps members get more value out of everyday spend. We build the member-facing deals, cashback, and merchant-offer experiences, plus the offers platform underneath them: the deals catalog, personalization and discovery surfaces, attribution and measurement, and partner integrations that power it all. Our work turns everyday transactions into real savings and gives members a reason to reach for Chime first. The team also owns Chime Wireless, a 0-to-1 vertical product. This is a rare chance to build a new business from the ground up inside a company with millions of members, shaping the product, the systems, and the roadmap from scratch.
We are hiring a hands-on Engineering Manager to lead this team. This is a player-coach role: you will manage a group of engineers building both the consumer experiences and the backend systems that serve offers at scale, and you will stay in the code yourself, contributing to features and reviewing your team's pull requests. You will partner closely with Product, Design, Analytics, and partner teams to grow deal discovery, claim, and redemption, while keeping the underlying platform reliable and easy to build on. You will steer technical direction, lead by example, and develop the people on your team.
The base salary offered for this role and level of experience will begin at $199,000.00 and up to $275,000.00. 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 this role, you can expect to
- Lead, hire, and develop a high-performing engineering team, and grow engineers through their next stage of impact
- Stay hands-on: write and ship code on high-leverage projects, and set the technical bar by doing the work alongside your team
- Review your team's pull requests and lead design reviews, raising the bar for quality, testing, and maintainability through direct feedback
- Own the technical direction for the deals and offers surface, from member-facing discovery and redemption experiences to the platform that powers them
- Partner closely with Product, Design, and Analytics to grow deal attach, claim, and redemption, and to turn experiments into durable member value
- Establish a sense of urgency and direction, set clear team objectives in alignment with organization and company priorities, and hold a high bar for execution
- Drive architecture and technical decisions that keep the deals platform reliable, well-instrumented, and scalable as volume grows
- Manage partner and merchant integrations, working across engineering and external vendors to expand offer supply and improve measurement
- Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
- Contribute to broader SSI and Chime engineering initiatives as a member of the engineering leadership team
To thrive in this role, you have
- 2+ years of people management experience, including hiring and developing engineers
- Current, hands-on coding ability and the desire to stay technical; you are excited to contribute code and review PRs, not just manage
- Fluency with AI-assisted development tools such as Claude Code, Codex, or Cursor, and a track record of using them to raise your own and your team's leverage
- A strong technical foundation and the ability to guide architecture and review technical decisions with your team
- Experience shipping consumer product features and running experimentation, with a bias toward iteration and measuring impact
- Experience with service-oriented architectures and building or owning backend platforms at scale; familiarity with our stack (Ruby on Rails, React Native, AWS, distributed systems) is a plus
- Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics
- Experience integrating with third-party partners or vendors is a plus
- Deep empathy for engineers and a genuine interest in how to make teams and people thrive
- The ability to motivate a team through delivery on aggressive schedules and goals
#LI-Onsite #LI-AA1
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
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.
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 closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together.
The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. 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.
Why join Lending?
Work on systems that matter
The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters.
Own a bigger surface area
This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and execution across Lending.
Build where product and platform meet
Some of the most interesting engineering work happens in the seams: where member experience depends on credit strategy, where product velocity depends on platform leverage, and where financial correctness meets business speed. This role sits in the middle of those seams and gives you meaningful influence over how they scale.
Operate in a fast-moving, high-accountability environment
Lending is a fast-paced fintech environment where we care about moving quickly and building well. We value thoughtful design, strong engineering judgment, high-quality code, and operational excellence. We also actively use AI where it can improve quality, speed, and leverage.
In this role, you can expect to
- Independently own and deliver features end-to-end
- Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
- Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
- Collaborate with cross functional teams to understand member pain points and come up with solutions
- Proactively identify opportunities for improving the reliability and scalability of our systems
- Work across the engineering team to improve and uphold high technical standards
- Grow into owning larger components of the system over time
To thrive in this role, you have
- 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
- Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
- Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
- Start-up experience a plus
#LI-AC2 #LI-Hybrid
A little about us
At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.
Because if we don't—who will?
*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What we offer for our full-time, regular employees
- 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.
- 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
- ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
- 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
- 👪 Access to family planning reimbursement
- 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress
We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
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