Senior Full-Stack Software Engineer, Unsecured Cards
$164,000–$164,000 year
On-siteSan Francisco, California, United States
Job Summary
Own and drive end-to-end development of complex product features, shaping technical approach through implementation and launch. Lead multi-engineer efforts by breaking down problems, defining scope, and driving execution across backend services and frontend applications supporting millions of members. Collaborate closely with product, design, risk, credit, legal, and compliance partners to deliver high-impact features while raising engineering quality through code reviews and testing practices. Mentor other engineers to improve team velocity and code quality. Engineers are required to participate in on-call rotation. This role sits within Chime's Cards team, building member-facing experiences and backend systems for a financial technology company focused on helping everyday Americans unlock financial progress.
Required Qualifications
- 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
- Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.
Desired Qualifications
- Experience in fintech, lending, or other regulated/credit domains is a strong plus
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