# Software Engineer, Credit Risk Platform
**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** San Francisco, CA
**Salary:** $133K-$184K
**Experience:** 3+ years
**Skills:** Ruby on Rails, APIs, Relational Databases, Caching Systems, Distributed Systems, Async Processing, Idempotency, Retries, Data Validation, Dashboards, Instrumentation, Alerts
**Posted:** 2026-04-28
> Builds backend services and tools for credit risk management across products like Loans and SpotMe. Requires 3+ years experience with Ruby on Rails, databases, distributed systems, and cross-team collaboration.
## Job Description
## Responsibilities
- 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)
- Contribute to reusable platform primitives that make it faster and safer to launch new credit products without duplicating risk decisioning and controls
- Build and improve workflows that enable Credit Risk teams to adjust strategies (rules, thresholds, segmentation) with appropriate guardrails and review processes
- Integrate third-party data sources used in decisioning and monitoring, including implementing data validation, error handling, and resilience to vendor changes
- 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
- Collaborate with senior engineers to learn best practices in system design, testing, and operational excellence
- 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)

## Compensation
Base salary: **$133,000 - $184,000** depending on location, skills, qualifications, and experience. Full-time employees eligible for bonus, equity, and benefits.
**Apply:** https://hotfix.jobs/jobs/software-engineer-credit-risk-platform-at-chime-c315b1cf-a799-4522-94b7-2984b7e863c6
**Canonical:** https://hotfix.jobs/jobs/software-engineer-credit-risk-platform-at-chime-c315b1cf-a799-4522-94b7-2984b7e863c6