Software Engineer, MyPay

About the role MyPay is Chime’s Earned Wage Access (EWA) product and one of the company’s fastest-growing, revenue-driving products, used by millions of members to access their earnings when they need it. We power complex, real-time money movement at scale - including underwriting, eligibility decisions, ledgering, and seamless financial transactions. In this role, you will design and build backend services where correctness, resiliency, and performance are critical. You will collaborate closely with Product, Design, Data Science, Risk, Analytics, and others to drive rapid experiments, make data-driven decisions and scale high-impact solutions. 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 Independently own and deliver features end-to-end Design, develop, test, refactor and scale backend implementations of new and existing consumer product features Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app Collaborate with cross functional teams to understand member pain points and come up with solutions Proactively identify opportunities for improving the reliability and scalability of our systems Work across the engineering team to improve and uphold high technical standards Grow into owning larger components of the system over time To thrive in this role, you have 3+ years developing software in a production environment at scale Experience designing APIs, working with transactional databases and caching systems Exposure to architectural patterns of large, high-scale web applications An appreciation of maintainable and well-tested code Enjoyment in learning and diving into the deepest levels of how things work Collaborative spirit and strong communication skills, with experience working cross-functionally Product mindset with a strong bias toward experimentation, iteration, and measuring impact Start-up experience as an added 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 wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential. Because if we d