Software Engineer, Lending
Software Engineer building backend systems and resilient APIs for Chime's Lending products including Earned Wage Access, overdraft, and Instant Loans. Requires 3+ years experience with Ruby on Rails, distributed systems, and cross-functional collaboration in a high-stakes fintech environment.
About the job
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 building and operating production software at scale
- Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
- Strong grasp of relational databases and caching, including safe schema changes/migrations
- Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
- Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
- Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
- Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
- Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
Nice-to-Haves
- Start-up experience a plus
Compensation
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 your location, skills, qualifications, and experience.
Skills
Ruby on Rails, APIs, Relational Databases, Caching, Schema Migrations, Distributed Systems, Async Processing, Idempotency, Retries, Backfills, High-Scale Architectural Patterns, Testing, Fintech
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