Senior Software Engineer, Platform

Chime is looking for a Senior Software Engineer to own the messaging, caching, job processing, and workflow platforms that keep services talking to each other.

The Messaging Platforms team sits between infrastructure and product. We build the frameworks, libraries, and operational patterns that let product engineers move quickly without having to carry the full complexity of messaging. When we do our jobs well, teams feel confident: messaging is reliable, scalable, observable, and easy to build on. 

You'll work on:

• Messaging and job processing — local and distributed async processing, service-to-service communication, and reliability work
• Caching — Redis governance, usage patterns, and operational tooling
• Workflow orchestration — running and improving the platforms teams use for scheduled jobs and long-running workflows (Temporal, Cronitor)
• Shared Rails tooling — logging, tracing, security, PII masking, schema enforcement, and other shared concerns
• AI-enabled engineering — finding practical ways to help Chime engineers use AI more effectively: automation, agent-ready tooling, platform capabilities that make AI-assisted development safer

There's a lot to do. We want someone who can figure out which problems are worth solving, ship something, measure whether it worked, and adjust. Not someone who ships and disappears.

The base salary offered for this role and level of experience will begin at $187,000.00 and up to $259,000.00. 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.

• Automate upgrades, monitoring, and operations across the platform.
• Build tools that let engineers across Chime self-serve — so they spend less time waiting on us.
• Build and maintain reliable, scalable platforms and libraries.
• Partner with product, data, and infrastructure teams on cross-cutting technical problems.
• Reduce operational overhead through close collaboration with infra.
• Advise engineering teams on communication and data-sharing patterns.

• Solid understanding of async and synchronous data-sharing patterns — pub/sub, RPC, caching, and when to use each.
• Strong Ruby/Rails experience; Python or Go is a bonus.
• Familiarity with AWS (ElastiCache, SNS/SQS) and infrastructure tooling like Terraform, Helm, Kubernetes, and Docker.
• Experience with large-scale production systems and the tradeoffs that come with them.
• Comfort working in CI/CD environments.
• A track record of shipping production systems as part of a team.
• You care about the engineers who use what you build — and you'll push back when a pattern is going to cause them pain later.

#LI-AC2 #LI-Onsite

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.