Software Engineer, Instant Loans

About the role Chime’s Instant Loans team builds products that give members upfront liquidity for larger, specific needs, with clear, predictable repayment that helps them build credit responsibly. As an engineer on the team, you’ll work across the stack to build and scale services that offer a few hundred to a few thousand dollars over terms from months to years, making fair credit accessible to people who are often denied by traditional banks. This role is ideal for engineers who want to move quickly, collaborate closely with product, design, data, and risk, and care deeply about expanding financial access and stability for millions of members. The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. 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 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 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 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) #LI-Hybrid #LI-AC2 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 car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential. We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members. We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a