Senior Software Engineer

About the Role We’re looking for driven engineers with strong leadership skills to help evolve our risk architecture, enabling deeper insights and stronger protections for our members. Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. Key Responsibilities Provide technical leadership to the team, driving the modernization of one of our Chime Platforms within Trust & Safety. Ensure a secure, seamless, and frictionless experience for our members. Lead key projects end-to-end by setting technical direction, shaping system architecture, mentoring engineers, implementing APIs, collaborating with data engineers and analysts, and ensuring the reliability and performance of the platform. Drive technical design and architectural decisions, 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. Qualifications Curiosity and passion for diving deeply into system architectures and technical challenges. Deep understanding of architectural patterns for large‑scale web applications. Experience in fast‑paced or early‑stage environments is a strong plus. Commitment to mentoring engineers and fostering team development. Appreciation of maintainable and well‑tested code. Proven experience with Ruby on Rails or comparable frameworks. Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross‑functional teams. Experience with transactional databases and caching systems. 5+ years of experience developing software in a production environment at scale. Benefits Physical: Medical, dental, and vision insurance, plus benefits to support physical activity, family planning, and more. Emotional: Partnering with Modern Health, monthly "Take Care of Yourself" days, and time off when needed. Financial: Savings plans with competitive matching, access to financial planning and legal assistance. Social: Travel stipends, swag, and high‑fives; connectivity through Chime Resource Groups (CRGs) and company events. #J-18808-Ljbffr