Software Engineer, Credit Line

SpotMe provides our members with liquidity when and where they need it so they can still buy groceries, pay for transportation or cover unexpected expenses when money is tight. We’re looking for a backend engineer to help build and operate our services that make this possible. You’ll join a tight-knit, collaborative team that holds a high bar for quality, learns together and cares deeply about solving real member problems.

Our members regularly tell us SpotMe is one of the main reasons they recommend Chime. If you’re curious, collaborative and excited to grow as a product-minded backend engineer, this is a chance to work on a beloved, high-impact feature at meaningful scale.

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. 

• Design, develop, test and scale backend APIs and services of new and existing product features
• Collaborate closely with mobile, product, design, risk and data partners to understand member pain points and turn them into simple and reliable 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
• Participate in code reviews, on-call rotations and incident follow-ups to grow quickly while helping the team raise the bar on quality and operational excellence

• 3+ years developing software in a production environment at scale
• Proven experience with Ruby on Rails or comparable frameworks
• Experience working with transactional databases and caching systems
• Exposure to architectural patterns of large, high-scale web applications
• An appreciation of maintainable and well-tested code
• A collaborative, low-ego working style. You enjoy pairing with others, giving and receiving feedback and helping your teammates succeed
• Enjoyment in learning and diving into the deepest levels of how things work
• Start-up experience as an added plus
• A strong product and member mindset. You care about the real people on the other side of the API and are motivated by seeing your work have a positive impact

#LI-Hybrid #LI-SB1

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.