Software Engineer, Credit Risk Platform

chime· 69 open roles

Location TBD On-siteFull-time3 weeks ago

Salary

$133,000 - $184,000

Experience

Mid

Job Type

Full-time

Posted

3 weeks ago

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About This RoleAI processing…

About the role Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Credit Risk Platform team, where you’ll build backend services and internal tools that help Chime manage credit risk and losses across all of our credit products, including Loans, MyPay, SpotMe, and a growing pipeline of new credit products in development. This team is building a shared risk platform that expands with every new product we launch. A key part of the mission is being able to onboard new credit products as a platform capabil

Key Responsibilities

1
Design, develop, test, and maintain backend services and internal tools that support risk strategy across multiple products (e.g., eligibility, limits, exposure tracking, policy enforcement)
2
Contribute to reusable platform primitives that make it faster and safer to launch new credit products without duplicating risk decisioning and controls
3
Build and improve workflows that enable Credit Risk teams to adjust strategies (rules, thresholds, segmentation) with appropriate guardrails and review processes
4
Integrate third-party data sources used in decisioning and monitoring, including implementing data validation, error handling, and resilience to vendor changes
5
Add instrumentation, dashboards, and alerts for key risk and loss signals, and participate in on-call/incident response as part of a supportive team rotation
6
Collaborate with senior engineers to learn best practices in system design, testing, and operational excellence
7
Proactively identify reliability and scalability improvements and drive them to completion with mentorship and feedback

Requirements

3+ years developing software in a production environment
Experience with Ruby on Rails or comparable frameworks, building and operating APIs
Experience working with relational databases and caching systems, and writing safe schema changes and migrations
Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and an interest in learning deeper system design
A strong appreciation for maintainable, well-tested code and a willingness to improve existing systems, not just ship new ones
Comfort working across teams to clarify requirements, communicate tradeoffs, and deliver incrementally
Interest in data-driven systems and integrating external/third-party data sources (fintech or risk experience is a plus, not required)

Perks & Benefits

🏢 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.

💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute

💰 Competitive salary based on experience

✨ 401k match plus great medical, dental, vision, life, and disability benefits

🏝 Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.

🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress