Senior Software Engineer (Lending)

About this role

• 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 (L5) in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible
• 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
• 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
• 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
• 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
• 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 activ...