Software Engineer, Credit Risk Platform

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, re