Senior Full-Stack Software Engineer, Unsecured Cards

About the role
Chime’s Cards team is hiring a Senior Full-Stack Engineer to help build and scale our newest card products. You’ll work across the stack to ship member-facing experiences and the backend systems that power them — solving complex problems in a fast-moving space and partnering closely with product, design, risk, credit, and compliance to deliver products members trust with their financial lives.

These efforts introduce new product constructs and require evolving core systems while delivering seamless, reliable experiences ’ll help define solutions amid ambiguity and ship features that support millions of Chime members.

The base salary offered for this role and level of experience will begin at $ and up to $. Full‑time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

In this role, you can expect to

Own and drive end-to-end development of complex product features, from shaping technical approach through implementation and launch

Lead multi‑engineer efforts within the team, helping break down problems, define scope, and drive execution

Design and build scalable systems across backend services and frontend applications (web and mobile) supporting millions of members

Work through ambiguity to define solutions, structuring problems and aligning technical decisions with product and business goals

Collaborate closely with cross‑functional partners — product, design, risk, credit, legal, and compliance — to deliver high‑impact features

Contribute to technical design decisions, balancing trade‑offs across performance, reliability, and long‑term maintainability

Raise the bar for engineering quality through thoughtful code reviews, testing practices, and improving team standards

Mentor and support other engineers, helping improve team velocity, code quality, and overall execution

Engineers are required to participate in on‑call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

To thrive in this role, you have

5+ years of experience building production‑grade software, with a track record of shipping reliable, user‑facing features

Experience owning projects or major features end-to-end, including design, implementation, and delivery

Strong backend development experience building APIs and services with Ruby on Rails or comparable frameworks, with working knowledge of modern frontend frameworks (e.g., React, React Native)

Experience with transactional databases and caching systems, and an appreciation for clean, well‑tested, maintainable code

Comfort operating in ambiguous, fast‑moving environments, where you help define solutions rather than just implement them

Strong collaboration skills, with experience working closely with product managers, designers, and other engineers

A mindset focused on impact, quality, and continuous improvement

Experience in fintech, lending, or other regulated/credit domains is a strong plus

What we offer for our full-time, regular employees

Our in‑office work policy is designed to keep you connected – with four days a week in the office and Fridays from home for those near one of our offices, plus team and company‑wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.

In‑office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute

Competitive salary based on experience

401k match plus great medical, dental, vision, life, and disability benefits

Generous vacation policy and company‑wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non‑birthing parents

Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and…