Senior Software Engineer, Membership

Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Membership team, where you'll work across the full stack, building and evolving the features that deepen member engagement, drive retention, and deliver ongoing value through Chime's membership experience. You will own projects end-to-end, from shaping architecture and designing APIs to building polished front-end experiences and maintaining the ongoing health of the code.

The base salary offered for this role and level of experience will begin at $164,000 and up to $227,000. 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. 

• Design, develop, test, and scale features across backend services and front-end surfaces that power membership benefits, rewards, and engagement experiences
• Build and iterate on APIs and UI components that deliver a seamless, high-quality member experience in Chime's mobile app
• Partner with product, design, data science, and cross-functional stakeholders to understand member needs, define experiments, and ship solutions that move key membership metrics
• Apply a metrics-driven mindset to decision-making and prioritize efforts based on member and business impact
• Proactively identify opportunities to improve system reliability, performance, and scalability across the stack
• Contribute to a culture of technical excellence through mentorship, code reviews, and driving best practices

• 5+ years developing software in a production environment at scale
• Proven experience with Ruby on Rails or comparable frameworks
• Proficiency with modern front-end technologies (e.g., React, React Native, or TypeScript-based frameworks)
• A product mindset with a strong bias toward experimentation, iteration, and measuring impact
• A collaborative spirit and strong communication skills, with experience working cross-functionally
• Experience working with transactional databases, caching systems, and API design
• Comfort working across the stack and a desire to understand how all the pieces fit together
• Experience with experimentation frameworks and data-driven product development is a plus

#LI-AC2 #LI-Hybrid

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.