Senior Software Engineer, Lending
Build and lead backend systems for Chime’s lending products, including real-time money movement, underwriting, repayments, and financial decisioning infrastructure in a fintech environment.
- Compensation
- $164K–$259K
- Location
- New York, NY, USA; San Francisco, CA, USA
- Work setup
- Hybrid
- Seniority
- Senior
- Employment
- Full time
- Experience
- 8+ years
- Category
- Software engineering
- Posted
Skills
Nice to have
- Experience with lending or credit systems such as underwriting, eligibility, line assignment, limits, repayments, collections, servicing, or decisioning
- Experience with financial platform domains such as capital markets workflows, reconciliations, ledgering, accounting interfaces, partner integrations, or bank integrations
- Familiarity with experimentation, analytics, and data-informed systems used to safely evolve decisioning and product strategy over time
- Experience helping product teams adopt shared platform capabilities through strong APIs, abstractions, internal tooling, or platform patterns
Full description
About the role
Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes.
We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable.
As a Senior Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system, not just how one team ships.
You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together.
Why join Lending?Work on systems that matter
The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters.
Own a bigger surface area
This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and execution across Lending.
Build where product and platform meet
Some of the most interesting engineering work happens in the seams: where member experience depends on credit strategy, where product velocity depends on platform leverage, and where financial correctness meets business speed. This role sits in the middle of those seams and gives you meaningful influence over how they scale.
Operate in a fast-moving, high-accountability environment
Lending is a fast-paced fintech environment where we care about moving quickly and building well. We value thoughtful design, strong engineering judgment, high-quality code, and operational excellence. We also actively use AI where it can improve quality, speed, and leverage.