Software Engineer, Instant Loans

Chime

San Francisco, CA, United States
Base: $133,000 - $184,000; bonus/equity: bonus, co...
On-site
Design, develop, test, refactor, and scale backend implementations
Work on member-facing mobile app apis
Collaborate with cross-functional teams
Chime’s Instant Loans team builds products that give members upfront liquidity for larger, specific needs, with clear, predictable repayment that helps them build credit responsibly

Job Summary

  • Chime’s Instant Loans team builds products that give members upfront liquidity for larger, specific needs, with clear, predictable repayment that helps them build credit responsibly.
  • As an engineer on the team, you’ll work across the stack to build and scale services that offer a few hundred to a few thousand dollars over terms from months to years, making fair credit accessible to people who are often denied by traditional banks.
  • This role is ideal for engineers who want to move quickly, collaborate closely with product, design, data, and risk, and care deeply about expanding financial access and stability for millions of members.

Matching Summary

Chime’s Instant Loans team builds products that give members upfront liquidity for larger, specific needs, with clear, predictable repayment that helps them build credit responsibly.

Salary

Base: $133,000 - $184,000; Bonus/Equity: Bonus, competitive equity package; Benefits: Competitive benefits package

Skills & Requirements

Must-have

  • Design, develop, test, refactor, and scale backend implementations
  • Work on member-facing mobile app APIs
  • Collaborate with cross-functional teams
  • Develop thoroughly tested code
  • Participate in on-call rotation

Nice-to-have

  • Product mindset with bias toward experimentation
  • Appreciation for clean, maintainable code
  • Collaborative spirit and strong communication skills

Key Requirements

  • 3+ years developing software in production at scale
  • Experience with Ruby on Rails or comparable frameworks
  • Experience designing APIs
  • Experience with transactional databases and caching systems
  • Experience working in a fast-paced, product-focused environment

Work Rights

Not specified

Tailored Resume

Cover Letter