Software Engineer, Deposits & Insights

Overview The Deposit & Insights team is looking for a skilled backend engineer to join our team. You'll be leveraging deeply individualized spending insights and member spending behavior to give our members access to the best tools that enable them to spend safely. This role involves collaborating cross-functionally, experimenting quickly, and iterating on solutions to find the best points of conversion. 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 location, skills, qualifications, and experience. Responsibilities Drive technical design and architectural decisions, while 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 Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary. Qualifications 3+ years of experience developing software in a production environment at scale Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams Proven experience with Ruby on Rails or comparable frameworks Experience with transactional databases and caching systems Deep understanding of architectural patterns for large-scale web applications Commitment to mentoring engineers and fostering team development An appreciation of maintainable and well-tested code Curiosity and passion for diving deeply into system architectures and technical challenges Experience in fast-paced or early-stage environments is a strong plus About Us At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank—for 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. We’re a team of problem solvers, dreamers, and builders with one shared obsession: our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing 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. What We Offer In-office work policy designed to keep you connected—four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit Competitive salary based on experience 401k match plus medical, dental, vision, life, and disability benefits Generous vacation policy and company-wide days off Time off to support local community organizations Annual wellness stipend for eligible wellness expenses Paid parental leave (up to 24 weeks for birthing parents, 12 weeks for non-birthing parents) Access to Maven with $15k lifetime reimbursement for family planning, fertility treatments, adoption, and more In-person and virtual events to connect with colleagues and enjoy activities and snack boxes A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech Chime is an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact View email address on click.appcast.io. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice. #J-18808-Ljbffr Chime