# Software Engineer, Lending

**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** San Francisco, CA
**Role:** Fullstack Engineering
**Salary:** $133k – $184k/yr
**Experience:** 3+ years
**Skills:** Ruby on Rails, APIs, Relational Databases, Caching, schema migrations, Distributed Systems, async processing, idempotency, retries, backfills, high-scale architectural patterns, testing, Fintech
**Posted:** 2026-07-30

> 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.

## 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 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.

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