# Software Engineer, MyPay

**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** San Francisco, CA
**Role:** Backend Engineering
**Salary:** $133k – $184k/yr
**Experience:** 3+ years
**Skills:** APIs, Transactional Databases, Caching Systems, Architectural Patterns, Web Applications, Backend Services, Real-Time Money Movement, Underwriting, Ledgering, Financial Transactions
**Posted:** 2026-04-24

> Builds and scales backend services for Chime's MyPay earned wage access product, handling real-time money movement, underwriting, and APIs for the mobile app. Requires 3+ years experience with APIs, databases, caching, and high-scale systems.

## Job Description

## Responsibilities
- Independently own and deliver features end-to-end
- Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
- Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
- Collaborate with cross functional teams to understand member pain points and come up with solutions
- Proactively identify opportunities for improving the reliability and scalability of our systems
- Work across the engineering team to improve and uphold high technical standards
- Grow into owning larger components of the system over time

## Requirements
- 3+ years developing software in a production environment at scale
- Experience designing APIs, working with transactional databases and caching systems
- Exposure to architectural patterns of large, high-scale web applications
- An appreciation of maintainable and well-tested code
- Enjoyment in learning and diving into the deepest levels of how things work
- Collaborative spirit and strong communication skills, with experience working cross-functionally
- Product mindset with a strong bias toward experimentation, iteration, and measuring impact

**Nice-to-have:** Start-up experience

## Compensation
Base salary: $133,000 - $184,000, plus bonus, equity, and benefits.

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