Senior Software Engineer (Chicago)

About the role

Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We’re looking for driven engineers to join our team and work on our real-time rules engine that empowers internal teams to build, test, and deploy decisioning logic across fraud prevention, financial crime, account management, and money movement.

As a senior engineer, you’ll own projects end-to-end : shaping architecture, implementing APIs, partnering with data engineers and analysts, and ensuring the ongoing reliability and performance of the platform.

The base salary offered for this role and level of experience will begin at $157,590 and up to $218,900. 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, build, and scale backend systems that support real-time decisioning across multiple integrations
• Develop robust, low-latency APIs and services that power our self-serve rules engine used by internal risk and operations teams
• Collaborate with data engineers, analysts, and product managers to ship features that directly impact member experience and operational efficiency
• Contribute to platform reliability and performance through thoughtful architecture, observability, and automation improvements
• Help evolve our experimentation, policy lifecycle, and ML integration workflows to support faster iteration and smarter decisions at scale

To thrive in this role, you have

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank

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 don't—who will?

What we offer

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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know.

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

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