Software Engineer, Deposits & Insights

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 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 pac

Key Responsibilities

1
Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
2
Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
3
Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
4
Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
5
Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
6
Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
7
Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
8
Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

Requirements

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

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