About the role

We are looking for a Senior Full-Stack Engineer to join our App Journey team and play a key role in shaping the core experiences that every Chime member interacts with every day.

As a senior engineer on this team, you'll own the surfaces that define how members navigate and engage with Chime, helping them manage their finances with clarity and confidence. You'll work across the stack, partnering with product managers, designers, and product engineers to build scalable, reliable, and delightful experiences for millions of members.

You'll also help shape the technical foundation that powers these experiences, working on server-driven UI systems, GraphQL APIs, and other parts of the platform that make our app faster and more flexible over time.

The base salary offered for this role and level of experience will begin at $187,000 and up to $259,000 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

Own and evolve core app surfaces including primary surfaces and app navigation, driving projects from concept to completion
Work across the full stack, building frontend features in React Native while also contributing to backend services and GraphQL APIs in Ruby on Rails
Partner closely with product managers and designers to define requirements, shape the roadmap, and translate ideas into high-quality, member-facing experiences
Apply a product mindset to platform problems, finding opportunities to make the underlying systems faster, more reliable, and easier to build on
Mentor and support more junior engineers on the team, sharing knowledge and raising the technical bar across the squad
Contribute to a culture of continuous improvement through active participation in sprint ceremonies, architecture discussions, and process refinement
Participate in our frontend community of practice (guild), helping to shape how our app ecosystem is built, tested, deployed, and evolved
Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

To thrive in this role, you have

6+ years of experience in full-stack development, with strong proficiency in TypeScript, React, and React Native
Proven experience building and maintaining large-scale distributed systems
Hands-on experience with Ruby on Rails for backend development
A product mindset: you think about the member experience and business outcomes, not just technical correctness
Strong cross-functional collaboration skills, with a track record of working effectively with engineers, designers, and product managers
Leadership and mentorship experience, with a desire to help grow the engineers around you
Strong communication skills, with the ability to clearly articulate technical decisions and tradeoffs to both technical and non-technical stakeholders
Experience with server-driven UI development is a strong plus
Experience with GraphQL is a plus

#LI-Hybrid #LI-AA1

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. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

Senior Full-Stack Engineer, App Journey (GraphQL)