Skip to content

Software Engineer, Instant Loans

Builds and scales backend services and APIs for instant loans products, powering member-facing mobile app features in fintech. Requires 3+ years experience with Ruby on Rails, full-stack comfort, and product mindset.

133k – 184kSan Francisco, CABackend EngineeringHybrid3+ YOE

About the role

Responsibilities

  • Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
  • Work on member-facing mobile app, including designing and building strong, resilient APIs that power key member experiences.
  • Collaborate with cross functional teams to understand member pain points and come up with solutions
  • Develop thoroughly tested code and conduct quality assurance on all new code alongside our QA team
  • Proactively identify opportunities for improving the reliability and scalability of our systems
  • Participate in on-call rotation, responding to incidents outside of regular working hours when necessary.

Requirements

  • 3+ years developing software in a production environment at scale
  • Proven experience with Ruby on Rails or comparable frameworks
  • Comfort working across the stack and an eagerness to learn new technologies
  • Experience designing APIs, working with transactional databases and caching systems
  • A product mindset with a strong bias toward experimentation, iteration, and measuring impact
  • Exposure to large-scale architecture patterns and an appreciation for clean, maintainable code
  • A collaborative spirit and strong communication skills, with experience working cross-functionally
  • Experience working in a fast-paced, product-focused environment (Fintech experience is a plus)

Compensation

Base salary begins at $133,000 and up to $184,000, depending on location, skills, qualifications, and experience. Full-time employees eligible for bonus, equity package, and benefits.

Skills

Ruby on RailsAPIsTransactional DatabasesCaching SystemsMobile App Development

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.

133k – 184kChicago, ILBackend EngineeringHybrid3+ YOEMonitoringDashboards

Software Engineer, Financial Platform

Build and maintain a new financial platform powering core banking services. Design, develop, and deploy secure, scalable backend infrastructure and APIs using Go with 4+ years of experience.

133k – 184kNew York, NY +2Backend EngineeringHybrid4+ YOEGoAWS

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+ YOEAPIsPostgres

Software Engineer, Credit Risk Platform

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.

133k – 184kSan Francisco, CABackend EngineeringHybrid3+ YOEAPIsAlerts

Software Engineer, MyPay

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.

133k – 184kSan Francisco, CABackend EngineeringHybrid3+ YOEAPIsLedgering