Senior Software Engineer, Membership Experience

The posting, as Chime wrote it

About the role

Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Membership team, where you'll work across the full stack, building and evolving the features that deepen member engagement, drive retention, and deliver ongoing value through Chime's membership experience. You will own projects end-to-end, from shaping architecture and designing APIs to building polished front-end experiences and maintaining the ongoing health of the code.

In this role, you can expect to

• Design, develop, test, and scale features across backend services and front-end surfaces that power membership benefits, rewards, and engagement experiences
• Build and iterate on APIs and UI components that deliver a seamless, high-quality member experience in Chime's mobile app
• Partner with product, design, data science, and cross-functional stakeholders to understand member needs, define experiments, and ship solutions that move key membership metrics
• Apply a metrics-driven mindset to decision-making and prioritize efforts based on member and business impact
• Proactively identify opportunities to improve system reliability, performance, and scalability across the stack
• Contribute to a culture of technical excellence through mentorship, code reviews, and driving best practices

To thrive in this role, you have

• 5+ years developing software in a production environment at scale
• Proven experience with Ruby on Rails or comparable frameworks
• Proficiency with modern front-end technologies (e.g., React, React Native, or TypeScript-based frameworks)
• A product mindset with a strong bias toward experimentation, iteration, and measuring impact
• A collaborative spirit and strong communication skills, with experience working cross-functionally
• Experience working with transactional databases, caching systems, and API design
• Comfort working across the stack and a desire to understand how all the pieces fit together
• Experience with experimentation frameworks and data-driven product development is a plus

#LI-Onsite #LI-SL1
Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

Wage Notice
$164,000 — $227,000 USD

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first
[…]
ive health, financial, and wellbeing benefits designed to support you at every stage of life.

• 🏝 Generous vacation policy and company-wide paid days off
• 🫂 1% of your time off to support local community organizations of your choice
• 👟 Annual wellness stipend to use towards eligible wellness related expenses
• 👶 Up to 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• 👪 Access to family planning reimbursement
• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: accommodations@chime.com .

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice .