Software Engineer, Risk
Build and evolve Chime's risk platform and architecture as a backend-focused engineer on the Trust and Safety team. Requires 3+ years of production software experience and Ruby on Rails or comparable frameworks.
Software Engineer, Deposits & Insights
Builds and maintains low-latency backend APIs and services for deposits and spending insights, driving architectural decisions, mentoring engineers, and integrating ML for member protection. Requires 3+ years experience with Ruby on Rails and leading complex projects.
133k – 184kSan Francisco, CABackend EngineeringHybrid3+ YOE
About the role
Responsibilities
- Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
- Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
- Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
- Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
- Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
- Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
- Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
- Participate in on-call rotation, responding to incidents outside 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
Nice-to-Haves
- Experience in fast-paced or early-stage environments
Compensation
- Base salary: $133,000 - $184,000, depending on location, skills, qualifications, and experience
- Bonus, equity package, and benefits for full-time employees
Skills
Ruby on RailsAPIsBackend ServicesTransactional DatabasesCaching SystemsSystem ArchitectureObservabilityAutomationMachine LearningPostgres
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