# Software Engineer, Instant Loans
**Company:** [Chime](https://hotfix.jobs/companies/chime)
**Location:** San Francisco, CA
**Salary:** $133K-$184K
**Experience:** 3+ years
**Skills:** Ruby on Rails, APIs, Transactional Databases, Caching Systems, Mobile App Development
**Posted:** 2026-04-27
> 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.
## Job Description
## 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.
**Apply:** https://hotfix.jobs/jobs/software-engineer-instant-loans-at-chime-dc957bd0-f07c-44ff-a067-67976a94b3d9
**Canonical:** https://hotfix.jobs/jobs/software-engineer-instant-loans-at-chime-dc957bd0-f07c-44ff-a067-67976a94b3d9