Title: Software Engineer, Credit Risk Platform Location: San Francisco United States Job Description: About the role Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Credit Risk Platform team, where you'll build backend services and internal tools that help Chime manage credit risk and losses across all of our credit products, including Loans, MyPay, SpotMe, and a growing pipeline of new credit products in development. This team is building a shared risk platform that expands with every new product we launch. A key part of the mission is being able to onboard new credit products as a platform capability, not a reinvention of decisioning, controls, and monitoring each time. You'll partner closely with Credit Risk, Product, Analytics, and Data Science to help risk experts iterate safely using better tooling, richer data, and clear guardrails. That includes integrating third-party data sources and building systems that are reliable, observable, and auditable, because they sit on the critical path of member experiences and credit outcomes. 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 - Design, develop, test, and maintain backend services and internal tools that support risk strategy across multiple products (e.g., eligibility, limits, exposure tracking, policy enforcement) - Contribute to reusable platform primitives that make it faster and safer to launch new credit products without duplicating risk decisioning and controls - Build and improve workflows that enable Credit Risk teams to adjust strategies (rules, thresholds, segmentation) with appropriate guardrails and review processes - Integrate third-party data sources used in decisioning and monitoring, including implementing data validation, error handling, and resilience to vendor changes - Add instrumentation, dashboards, and alerts for key risk and loss signals, and participate in on-call/incident response as part of a supportive team rotation - Collaborate with senior engineers to learn best practices in system design, testing, and operational excellence - Proactively identify reliability and scalability improvements and drive them to completion with mentorship and feedback To thrive in this role, you have - 3+ years developing software in a production environment - Experience with Ruby on Rails or comparable frameworks, building and operating APIs - Experience working with relational databases and caching systems, and writing safe schema changes and migrations - Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and an interest in learning deeper system design - A strong appreciation for maintainable, well-tested code and a willingness to improve existing systems, not just ship new ones - Comfort working across teams to clarify requirements, communicate tradeoffs, and deliver incrementally - Interest in data-driven systems and integrating external/third-party data sources (fintech or risk experience is a plus, not required) #LI-Hybrid #LI-SB1 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. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

• Analyzes business requirements across multiple business areas including the evaluation of application software packages. • Devises and modifies procedures to solve business problems. • Codes and configures application components and interfaces. • Coordinates and schedules change control and production verification processes. • Prepares required documentation. • Ensures that all programming / configuration adheres to corporate standards, and all integration issues are identified and addressed, as well as version control of deliverables. • Ensures business applications are developed in a way that complies with architectural standards and established methodologies and practices. • Performs additional duties as assigned. • Prepares test plans, certifies string testing results, and performs regression and integration testing across applications. • Develops business relationships and integrates activities with other IT departments to ensure successful implementation and support project efforts. • Creates impact and details design documents, translating requirements into an appropriate system design and version control of deliverables.

Texas, United States of America Job Family Group: Information Technology (IT) Worker Type: Regular Posting Start Date: April 13, 2026 Business Unit: Projects and Technology Experience Level: Experienced Professionals Job Description: What’s the role Full Stack Software Engineer is responsible for designing and building applications. The aspects of build in the software delivery lifecycle are owned and executed by engineers in DSE. This division has a skilled pool of data and software engineers that may work with various businesses in Shell helping them realize their digital ambitions. The delivery ownership entails building the right product, with quality adhering to the engineering standards in the IDT control framework. A Full Stack Software Engineer must be able to own and deliver work under guidance. They may work in natural teams with members from across divisions in Shell IDT. Working together in teams, they collaborate to achieve delivery of software products/applications while adhering to engineering standards. They must keep abreast of latest technologies/practices in software engineering. Accountabilities: - Provides excellence and assurance for entire development team  - Setting and enforcing standards, patterns and practices  - Visible and active community leader in the DSE family, including participation & presentation into the respective CoP’s   - Natural technology leader, ability to work effectively across organizational boundaries, both internal and external to DSE   - Has an external hat on, knows & adopts industry best practices   What you bring - Must have legal authorization to work in the US on a full-time basis for anyone other than current employer - Bachelor’s degree in Engineering - 7+ years of corporate IT experience - Understand the core concepts of software engineering, including understanding the requirements, fundamental elements of software design, software construction, developer testing, and configuration management - Familiar with configuration management and have working experience with at least one source control system (GitHub preferred) - Knowledge of continuous integration, continuous deployment, and automating these workflows - Familiar with building software for accessibility and the fundamentals of building a secure application - Understand Agile ways of working; knowledge of Scrum / Kanban is preferred - Demonstrate an understanding of work management (Azure DevOps preferred), including working with product backlog items and bugs. - Understanding of cloud computing and diverse options for hosting applications (MS Azure preferred) - Awareness of AI/ML is preferred - Skilled in working with datastores, understanding schema, security, and privacy - Effective communication skills to put one’s point across clearly. - Able to work collaboratively in teams - Ability to plan and execute work under guidance - Adhere to Shell’s code of conduct and exhibit values of respect and embracing diversity in the workplace Note: This role is a virtual position based in the US What we offer The base salary range for this position is $124,000 - $186,000 per year. Individual pay will be based on various factors, such as relevant work experience, education, certifications, skill level, seniority, and internal equity. For regular full-time or regular part-time employees of the Company (participating companies as listed in the Summary Plan Description), insurance coverage options include medical, dental, vision coverage, life Insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs. Employees also participate in a company pension plan and a 401(k) plan. Paid leave includes up to 6 weeks of paid vacation time, up to 11 paid holidays, and parental leave offering 16 weeks of paid leave for birthing parents, and 8 weeks of paid leave for non-birthing parents. Additionally, employees are eligible for short-term disability leave for up to 26 weeks at 100% or 50% of base pay as well as Long-Term Disability insurance. Shell also offers other compensation such financial reimbursement for adoption, wellness, education, and personal learning expenses, and some roles are eligible for discretionary long-term incentives.  For interns, eligible benefits include medical, dental, and vision coverage, life insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs; participation in a 401(k) plan; and paid leave for up to 11 paid holidays.  Additional information on Shell’s US benefit programs can be found at https://www.shell.us/careers/about-careers-at-shell/rewards-and-benefits.html. You bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You’ll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You’ll be able to balance your priorities as you become the best version of yourself. - Progress as a person as we work on the energy transition together - Continuously grow the transferable skills you need to get ahead - Work at the forefront of technology, trends, and practices - Collaborate with experienced colleagues with unique expertise - Achieve your balance in a values-led culture that encourages you to be the best version of yourself - Benefit from flexible working hours, and the possibility of remote/mobile working - Perform at your best with a competitive starting salary and annual performance related salary increase – our pay and benefits packages are considered to be among the best in the world. - Take advantage of paid parental leave, including for non-birthing parents - Join an organization working to become one of the most diverse and inclusive in the world. We strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply - Grow as you progress through diverse career opportunities in national and international teams - Gain access to a wide range of training and development programs We'd like you to know that Shell has a bold goal: to become one of the world’s most diverse and inclusive companies. You can get to know more about how we're working towards that goal, click here. Shell in The United States Shell has been in the US for more than 100 years, leading the sector in energy, petrochemicals and refined products. Today, we provide millions of Americans with the energy needed to heat and cool their homes and power the economy. We operate in all 50 states, from our Deepwater platforms in the Gulf of America to the Pennsylvania Chemicals complex and our miles of pipelines throughout the US. We reach our customers through our 13,000 branded retail stations, and we are number 1 in gasoline sales. We also own the #1 brand of motor oil in the U.S. – Pennzoil® – made from natural gas. We are excited to play a key role in the move to net carbon emissions while providing the oil and gas needed by society for many decades to come. - DISCLAIMER: Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell participates in E-Verify. All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information or other protected status under federal, state or local laws. Shell is an Equal Opportunity Employer - Minorities/Females/Veterans/Disability. As a US Federal Contractor, hiring selections are subject to periodic audit review and documentation of your selections should be maintained for a period of three calendar years. It is the policy of Shell in the U.S. (“Shell”) to provide equal opportunity to all individuals, employees and all qualified applicants for employment consistent with employment requirements and qualifications. Shell prohibits discrimination based on race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, veteran status, citizenship, genetic information, or other protected status under federal, state or local laws. All employees are expected to support this policy and contribute to an environment of equal opportunity. If you need an accommodation for a disability during the resourcing process, please speak with an HR representative.

Texas, United States of America Job Family Group: Information Technology (IT) Worker Type: Regular Posting Start Date: April 13, 2026 Business Unit: Projects and Technology Experience Level: Experienced Professionals Job Description: What’s the role Senior Software Engineer is responsible for designing and building applications. The aspects of build in the software delivery lifecycle are owned and executed by engineers in DSE. This division has a skilled pool of data and software engineers that may work with various businesses in Shell helping them realize their digital ambitions. The delivery ownership entails building the right product, with quality adhering to the engineering standards in the IDT control framework. A Senior Software Engineer must be able to own and deliver work under guidance. They may work in natural teams with members from across divisions in Shell IDT. Working together in teams, they collaborate to achieve delivery of software products/applications while adhering to engineering standards. They must keep abreast of latest technologies/practices in software engineering. Accountabilities: - Provides excellence and assurance for entire development team  - Setting and enforcing standards, patterns and practices  - Visible and active community leader in the DSE family, including participation & presentation into the respective CoP’s   - Natural technology leader, ability to work effectively across organizational boundaries, both internal and external to DSE   - Has an external hat on, knows & adopts industry best practices   What you bring - Must have legal authorization to work in the US on a full-time basis for anyone other than current employer - Bachelor’s degree in Engineering - 7+ years of corporate IT experience - Understand the core concepts of software engineering, including understanding the requirements, fundamental elements of software design, software construction, developer testing, and configuration management - Familiar with configuration management and have working experience with at least one source control system (GitHub preferred). - Knowledge of continuous integration, continuous deployment, and automating these workflows - Familiar with building software for accessibility and the fundamentals of building a secure application - Understand Agile ways of working; knowledge of Scrum / Kanban is preferred - Demonstrate an understanding of work management (Azure DevOps preferred), including working with product backlog items and bugs - Understanding of cloud computing and diverse options for hosting applications (MS Azure preferred) - Awareness of AI/ML is preferred - Skilled in working with datastores, understanding schema, security, and privacy - Effective communication skills to put one’s point across clearly. - Able to work collaboratively in teams - Ability to plan and execute work under guidance - Adhere to Shell’s code of conduct and exhibit values of respect and embracing diversity in the workplace Note: This role is a virtual position based in the US What we offer The base salary range for this position is $124,000 - $186,000 per year. Individual pay will be based on various factors, such as relevant work experience, education, certifications, skill level, seniority, and internal equity. For regular full-time or regular part-time employees of the Company (participating companies as listed in the Summary Plan Description), insurance coverage options include medical, dental, vision coverage, life Insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs. Employees also participate in a company pension plan and a 401(k) plan. Paid leave includes up to 6 weeks of paid vacation time, up to 11 paid holidays, and parental leave offering 16 weeks of paid leave for birthing parents, and 8 weeks of paid leave for non-birthing parents. Additionally, employees are eligible for short-term disability leave for up to 26 weeks at 100% or 50% of base pay as well as Long-Term Disability insurance. Shell also offers other compensation such financial reimbursement for adoption, wellness, education, and personal learning expenses, and some roles are eligible for discretionary long-term incentives.  For interns, eligible benefits include medical, dental, and vision coverage, life insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs; participation in a 401(k) plan; and paid leave for up to 11 paid holidays.  Additional information on Shell’s US benefit programs can be found at https://www.shell.us/careers/about-careers-at-shell/rewards-and-benefits.html. You bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You’ll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You’ll be able to balance your priorities as you become the best version of yourself. - Progress as a person as we work on the energy transition together - Continuously grow the transferable skills you need to get ahead - Work at the forefront of technology, trends, and practices - Collaborate with experienced colleagues with unique expertise - Achieve your balance in a values-led culture that encourages you to be the best version of yourself - Benefit from flexible working hours, and the possibility of remote/mobile working - Perform at your best with a competitive starting salary and annual performance related salary increase – our pay and benefits packages are considered to be among the best in the world. - Take advantage of paid parental leave, including for non-birthing parents - Join an organization working to become one of the most diverse and inclusive in the world. We strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply - Grow as you progress through diverse career opportunities in national and international teams - Gain access to a wide range of training and development programs We'd like you to know that Shell has a bold goal: to become one of the world’s most diverse and inclusive companies. You can get to know more about how we're working towards that goal, click here. Shell in The United States Shell has been in the US for more than 100 years, leading the sector in energy, petrochemicals and refined products. Today, we provide millions of Americans with the energy needed to heat and cool their homes and power the economy. We operate in all 50 states, from our Deepwater platforms in the Gulf of America to the Pennsylvania Chemicals complex and our miles of pipelines throughout the US. We reach our customers through our 13,000 branded retail stations, and we are number 1 in gasoline sales. We also own the #1 brand of motor oil in the U.S. – Pennzoil® – made from natural gas. We are excited to play a key role in the move to net carbon emissions while providing the oil and gas needed by society for many decades to come. - DISCLAIMER: Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell participates in E-Verify. All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information or other protected status under federal, state or local laws. Shell is an Equal Opportunity Employer - Minorities/Females/Veterans/Disability. As a US Federal Contractor, hiring selections are subject to periodic audit review and documentation of your selections should be maintained for a period of three calendar years. It is the policy of Shell in the U.S. (“Shell”) to provide equal opportunity to all individuals, employees and all qualified applicants for employment consistent with employment requirements and qualifications. Shell prohibits discrimination based on race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, veteran status, citizenship, genetic information, or other protected status under federal, state or local laws. All employees are expected to support this policy and contribute to an environment of equal opportunity. If you need an accommodation for a disability during the resourcing process, please speak with an HR representative.