Title: Senior Software Engineer, Deposits & Insights Location: San Francisco United States Job Description: About the role The Deposit & Insights team is looking for a skilled backend engineer to join our team. You'll be leveraging deeply individualized spending insights and member spending behavior to help our members have the best tools at their disposal to spend and safely. This role involves collaborating cross functionally, experimenting quickly, and iterating on solutions to find the best points of conversion. The base salary offered for this role and level of experience will begin at $164,000 and up to $227,000. 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 - Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration - Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts - Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms - Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms - Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience - Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation - Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale To thrive in this role, you have - 5+ years of experience developing software in a production environment at scale - Prior experience serving as a technical lead for a team and on complex projects-driving architectural decisions, coordinating execution, and aligning cross-functional teams - Proven experience with Ruby on Rails or comparable frameworks - Experience with transactional databases and caching systems - Deep understanding of architectural patterns for large-scale web applications - Commitment to mentoring engineers and fostering team development - An appreciation of maintainable and well-tested code - Curiosity and passion for diving deeply into system architectures and technical challenges - Experience in fast-paced or early-stage environments is a strong plus #LI-Hybrid #LI-GC1 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 don't-who will? - Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. What we offer for our full-time, regular employees - Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you're coming in regularly or are part of our fully remote program, you'll stay engaged with your work and teammates. - In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute - Competitive salary based on experience - 401k match plus great medical, dental, vision, life, and disability benefits - Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off - 1% of your time off to support local community organizations of your choice - Annual wellness stipend to use towards eligible wellness related expenses - Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents - Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more. - In-person and virtual events to connect with your fellow Chimers-think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too! - A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress 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. Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

The world doesn’t need giant media organizations to tell every story. The world needs millions of creators. Independent voices who bring weird, wonderful stories to life online. We’re working to help every creator earn a living. Modash is a growing creator partnerships platform that helps brands scale their partnerships with creators on Instagram, Tiktok, and Youtube. We’re looking for a Senior Product Engineer to help us build the best creator discovery and management platform. We already have a strong team of ca 20 engineers across four product teams, and we’re continuing to grow as we take on more ambitious problems. Being a Senior Engineer at Modash At Modash, senior engineers don’t just write code - they shape the product. - Solve meaningful problems. Turn real customer pain into simple, effective solutions that brands and creators rely on every day. - Own the outcome. You take responsibility from first principles to post-launch: understanding the problem, designing the approach, building it, shipping it, and improving it once it’s in the real world. - Lead with context. Make decisions based on clarity, not preference. Ask sharp questions, challenge assumptions, and choose the approach that fits the moment - move fast when validating ideas, engineer for durability when scaling, and always aim for the simplest solution that delivers real impact. - Keep momentum. You don’t stall waiting for perfect information. You make thoughtful calls, involve others when needed, and keep work moving forward. - Raise the bar. Share feedback early. Support others. Push for better reasoning, better quality, and better decisions across the team. Our Tech Stack Experience with our stack is a bonus, not a prerequisite. A small amount of interview prep and a willingness to learn on the job is all we ask. Our interview process includes a practical coding exercise in Vue.js and Node.js, with the expectation that candidates will do a small amount of preparation if needed. We work with: - Frontend: Vue.js 3 with Pinia - Backend: Node.js with TypeScript - Infrastructure: AWS + Pulumi (IaC) - Database: MongoDB, DynamoDB - Tooling: GitHub, Linear, Notion

The world doesn’t need giant media organizations to tell every story. The world needs millions of creators. Independent voices who bring weird, wonderful stories to life online. We’re working to help every creator earn a living. Modash is a growing creator partnerships platform that helps brands scale their partnerships with creators on Instagram, Tiktok, and Youtube. We’re looking for a Senior Product Engineer to help us build the best creator discovery and management platform. We already have a strong team of ca 20 engineers across four product teams, and we’re continuing to grow as we take on more ambitious problems. Being a Senior Engineer at Modash At Modash, senior engineers don’t just write code - they shape the product. - Solve meaningful problems. Turn real customer pain into simple, effective solutions that brands and creators rely on every day. - Own the outcome. You take responsibility from first principles to post-launch: understanding the problem, designing the approach, building it, shipping it, and improving it once it’s in the real world. - Lead with context. Make decisions based on clarity, not preference. Ask sharp questions, challenge assumptions, and choose the approach that fits the moment - move fast when validating ideas, engineer for durability when scaling, and always aim for the simplest solution that delivers real impact. - Keep momentum. You don’t stall waiting for perfect information. You make thoughtful calls, involve others when needed, and keep work moving forward. - Raise the bar. Share feedback early. Support others. Push for better reasoning, better quality, and better decisions across the team. Our Tech Stack Experience with our stack is a bonus, not a prerequisite. A small amount of interview prep and a willingness to learn on the job is all we ask. Our interview process includes a practical coding exercise in Vue.js and Node.js, with the expectation that candidates will do a small amount of preparation if needed. We work with: - Frontend: Vue.js 3 with Pinia - Backend: Node.js with TypeScript - Infrastructure: AWS + Pulumi (IaC) - Database: MongoDB, DynamoDB - Tooling: GitHub, Linear, Notion

The world doesn’t need giant media organizations to tell every story. The world needs millions of creators. Independent voices who bring weird, wonderful stories to life online. We’re working to help every creator earn a living. Modash is a growing creator partnerships platform that helps brands scale their partnerships with creators on Instagram, Tiktok, and Youtube. We’re looking for a Senior Product Engineer to help us build the best creator discovery and management platform. We already have a strong team of ca 20 engineers across four product teams, and we’re continuing to grow as we take on more ambitious problems. Being a Senior Engineer at Modash At Modash, senior engineers don’t just write code - they shape the product. - Solve meaningful problems. Turn real customer pain into simple, effective solutions that brands and creators rely on every day. - Own the outcome. You take responsibility from first principles to post-launch: understanding the problem, designing the approach, building it, shipping it, and improving it once it’s in the real world. - Lead with context. Make decisions based on clarity, not preference. Ask sharp questions, challenge assumptions, and choose the approach that fits the moment - move fast when validating ideas, engineer for durability when scaling, and always aim for the simplest solution that delivers real impact. - Keep momentum. You don’t stall waiting for perfect information. You make thoughtful calls, involve others when needed, and keep work moving forward. - Raise the bar. Share feedback early. Support others. Push for better reasoning, better quality, and better decisions across the team. Our Tech Stack Experience with our stack is a bonus, not a prerequisite. A small amount of interview prep and a willingness to learn on the job is all we ask. Our interview process includes a practical coding exercise in Vue.js and Node.js, with the expectation that candidates will do a small amount of preparation if needed. We work with: - Frontend: Vue.js 3 with Pinia - Backend: Node.js with TypeScript - Infrastructure: AWS + Pulumi (IaC) - Database: MongoDB, DynamoDB - Tooling: GitHub, Linear, Notion