Senior Software Engineer, Lending
Chime Financial, Inc · New York, NY, USA; San Francisco, CA, USA
Posted about 3 months ago
or apply directly on Chime Financial, Inc's site. We never take the application ourselves.
Is this posting real?
- This role has been open
- 80 days Chime Financial, Inc's roles stay open a median of 79 days
- Reposted
- No
- Salary listed
- No 1% of Chime Financial, Inc's roles list one
- Ghost-job risk at Chime Financial, Inc
- high 66 stale, 4 reposted of 69 open
- Hiring momentum
- 112 roles opened in the last 90 days ↑ up vs. the prior 90 days
- Last confirmed on the employer's board
- 2026-10-22
Measured from postings appearing on and disappearing from Chime Financial, Inc's own greenhouse board since 2026-08-03. Full hiring picture for Chime Financial, Inc.
About this role
As a Senior Software Engineer in Lending at Chime, you will design and build backend systems that connect member-facing lending products with shared platforms. Your role involves leading technical initiatives across teams, driving complex projects, and ensuring the reliability and correctness of financial systems. You will collaborate with various departments to translate ambiguous opportunities into effective technical solutions and mentor other engineers to enhance overall design quality and operational excellence.
- benefits
- 3/5
- freshness
- 1/5
- career value
- 4/5
- role clarity
- 5/5
- pay transparency
- 0/5
Scored from the posting itself — how clearly the role is described, how much it says about pay and benefits, and how recently it was listed. Not a judgement of Chime Financial, Inc as an employer.
What you need
- 8+ years of experience building and operating production software at scale
- Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework
- Experience building APIs and distributed systems in production
- Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
- Strong system design judgment
- A track record of leading complex projects that span multiple teams
Nice to have
- Experience with lending or credit systems such as underwriting, eligibility, repayments, or decisioning
- Experience with financial platform domains such as capital markets workflows or reconciliations
- Familiarity with experimentation, analytics, and data-informed systems
- Experience helping product teams adopt shared platform capabilities
What you get
- Comprehensive health, financial, and wellbeing benefits
- Generous vacation policy and company-wide paid days off
- Up to 22 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents
- Annual wellness stipend
- 1% of your time off to support local community organizations
- Backup child, elder, and pet care and subsidized commuter benefits
Worth weighing
- No specific technologies mentioned beyond Ruby on Rails
- Fast-paced environment may require adaptability to change
- Role involves significant cross-team collaboration which may lead to ambiguity
Summarised from Chime Financial, Inc's posting. Read the full original.
Listed by Chime Financial, Inc on their greenhouse job board, last confirmed open on 2026-10-22. PitchMeAI is not the employer.
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