Senior Software Engineer, Platform

Senior Software Engineer, Platform

Chicago, IL, USA; New York, NY, USA; San Francisco, CA, USA

About the Role

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.

In This Role, You Can Expect To

• 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.

To Thrive In This Role, You Have

• 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.

A Little About Us

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.

What We Offer For Our Full-Time, Regular Employees

• Our in-office work policy is designed to keep you connected - with 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. Whether you're coming in regularly or are part of our fully remote program, you'll stay engaged with your work and teammates.
• Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees.
• Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life.
• Generous vacation policy and company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to family planning reimbursement
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can't be done without a diverse team and inclusive environment. That's why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be 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 provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal 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.