Backend Engineer (API, SQL)
About The Company
Chime is a leading innovator in the fintech space, dedicated to providing accessible and equitable financial services to millions of Americans. Founded on the belief that everyone deserves financial peace of mind, Chime has revolutionized the way individuals manage their finances by eliminating unnecessary fees and promoting automatic savings. As the largest and fastest-growing challenger bank in the United States, Chime partners with reputable banking institutions to offer a suite of products including fee-free checking accounts, early paycheck access, credit building tools, and more. With a mission to empower financial independence, Chime has attracted significant investment from top-tier venture capital firms such as Sequoia Capital, SoftBank, and Tiger Global, and is valued at over $25.5 billion. The company prides itself on its innovative culture, diverse team, and commitment to creating impactful financial solutions that serve the needs of its members.
About The Role
Chime is seeking talented software engineers to join our dynamic and rapidly expanding team. In this role, you will be instrumental in developing and maintaining APIs that support our customer-facing products and core banking platform. You will take ownership of projects from conception to deployment, influencing system architecture, implementing robust APIs, and ensuring the ongoing health and scalability of our systems. Collaboration is key, as you will work closely with mobile developers to design resilient APIs that power our mobile applications, and with cross-functional teams to identify member pain points and craft innovative solutions. Your efforts will directly impact the reliability, performance, and user experience of our platform. The role offers a competitive salary starting at $119,000 and can go up to $232,200 based on experience and location. Full-time employees are also eligible for bonuses, equity packages, and comprehensive benefits. This position provides an exciting opportunity to work at the forefront of fintech innovation, contributing to a mission-driven organization that is transforming personal finance for millions.
Qualifications
- 2+ years of experience developing software in a production environment at scale
- Proficiency with Ruby on Rails or comparable frameworks
- Experience working with transactional databases and caching systems
- Knowledge of architectural patterns used in large-scale web applications
- Strong understanding of maintainable, well-tested code
- Desire to learn and understand the deep technical workings of systems
- Start-up experience is a plus
- Excellent problem-solving and communication skills
- Ability to collaborate effectively within a cross-functional team
Responsibilities
- Design, develop, test, refactor, and scale backend implementations for new and existing consumer product features
- Collaborate with mobile development teams to create resilient and efficient APIs that enhance mobile app functionality
- Work closely with cross-functional teams to understand member challenges and develop innovative solutions
- Proactively identify opportunities to improve system reliability, performance, and scalability
- Maintain high technical standards across the engineering team through code reviews and best practices
- Participate in architectural discussions and contribute to the evolution of our platform infrastructure
- Ensure the security, stability, and performance of backend systems
- Continuously learn new technologies and methodologies to improve development processes
Benefits
- Competitive salary commensurate with experience and skills
- 401(k) plan with matching contributions
- Comprehensive health, dental, and vision insurance
- Life and disability insurance coverage
- Generous paid time off and company-wide Take Care of Yourself Days
- Virtual team-building events and wellness activities
- Opportunities for professional growth and development
- Inclusive and diverse work environment that values innovation and collaboration
Equal Opportunity
Chime is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, veteran status, or any other protected class.