Senior Backend Engineer (Chicago)

Chime Capital • Chicago, IL

158d • $157,590 - $218,900 • Hybrid

About The Position

Chime Engineering is growing rapidly as we scale to meet the financial needs of our members. We're looking for driven engineers to join our team and work on our real-time rules engine that empowers internal teams to build, test, and deploy decisioning logic across fraud prevention, financial crime, account management, and money movement. As a senior engineer, you'll own projects end-to-end: shaping architecture, implementing APIs, partnering with data engineers and analysts, and ensuring the ongoing reliability and performance of the platform.

Requirements

• 5+ years developing software in a production environment at scale
• Proven experience with Ruby on Rails or comparable frameworks
• Experience working with transactional databases and caching systems
• Exposure to architectural patterns of large, high-scale web applications
• An appreciation of maintainable and well-tested code
• Enjoyment in learning and diving into the deepest levels of how things work

Nice To Haves

• Start-up experience as an added plus

Responsibilities

• Design, build, and scale backend systems that support real-time decisioning across multiple integrations
• Develop robust, low-latency APIs and services that power our self-serve rules engine used by internal risk and operations teams
• Collaborate with data engineers, analysts, and product managers to ship features that directly impact member experience and operational efficiency
• Contribute to platform reliability and performance through thoughtful architecture, observability, and automation improvements
• Help evolve our experimentation, policy lifecycle, and ML integration workflows to support faster iteration and smarter decisions at scale

Benefits

• A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location
• Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
• 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
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Professional, Scientific, and Technical Services
• Number of Employees: 1,001-5,000 employees