Chime

About the Role

We are looking for a Senior Full-Stack Engineer to join our team and help build Jade, Chime's AI-powered financial assistant.

As a senior engineer on this team, you'll work across the full breadth of what it takes to bring an AI product to life — from designing new agent capabilities and conversation experiences to building the eval frameworks, observability, and guardrail systems that ensure Jade is reliable and safe for millions of members. You'll shape how Jade reasons, acts, and improves over time.

You'll build member-facing capabilities that help people manage their spending, stay on top of subscriptions, and hit their financial goals. You'll also develop internal tools, dashboards, and backend services for model routing, prompt management, agent orchestration, and evaluation pipelines. The AI landscape evolves rapidly, and so does Jade. You'll need to learn quickly, adapt to shifting priorities, and proactively identify what's needed next — whether that's a new financial capability, a better way to test conversations, or a system to keep quality high as we scale. If you're excited about the unique challenges of shipping LLM-powered products at scale, this is the role for you.

The base salary offered for this role and level of experience will begin at $164,000 and up to $227,000. 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, build, and scale new capabilities for Jade, Chime's AI-powered financial assistant
• Develop agent architectures, prompt strategies, and orchestration patterns that shape how Jade reasons and acts
• Build eval frameworks, observability, and guardrail systems that let the team ship with speed and confidence
• Partner cross-functionally to solve member pain points and deliver secure, scalable solutions
• Improve system reliability through performance tuning and architectural enhancements
• Contribute to technical design and maintain high standards across the codebase through code reviews and mentorship
• Bring curiosity and initiative to explore how things work and how they can work better

To thrive in this role, you have

• 5+ years of backend software development experience in production environments
• Proficiency with AI tooling and AI native development
• Proficiency with Python or comparable frameworks
• Experience with transactional databases (e.g., Postgres) and caching systems (e.g., Redis)
• Familiarity with architectural patterns in high-scale systems
• A strong focus on writing maintainable, well-tested code
• A drive to learn and dive deep into technical systems
• Bonus: Experience with agent development, fintech, or startup environments

#LI-Onsite #LI-AA1

About the role

We are looking for a Principal Employee Relations Partner to serve as the primary advisor and escalation point for complex employee relations issues across the organization. The role will report into the People Partner team, and act as a strategic partner to People Partners cross-functional teams, balancing risk management, compliance, and cultural alignment while fostering a fair, inclusive, and consistent employee experience.

The base salary offered for this role and level of experience will begin at $167,000 and up to $230,000. 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 the intake, assessment, investigation, and resolution of complex employee relations issues, including employee complaints, misconduct, performance concerns, policy violations, and sensitive workplace conflicts.
• Serve as the escalation point for high-risk or ambiguous matters, providing clear guidance on investigation strategy, risk exposure, and recommended outcomes.
• Conduct and oversee thorough, unbiased, and timely investigations, ensuring appropriate scoping, evidence gathering, documentation, findings, and closure aligned with Legal and company standards.
• Provide expert consultation to People Partners and business leaders on employee relations risks, employment law considerations, corrective action, and decision-making.
• Drive excellence in ER documentation and case management, ensuring accurate, consistent, and defensible records across all cases; maintain clear rationales for findings, actions, and outcomes.
• Analyze ER data, complaint trends, and investigation outcomes to identify root causes, systemic issues, and emerging risks, and recommend preventative or scalable solutions.
• Partner with People Partners to coach managers and leaders on effective conflict resolution, performance management, employee communications, and early intervention strategies.
• Collaborate closely with Legal, People Operations, Compliance, and Benefits to ensure equitable outcomes, alignment on policy interpretation, and consistency across the organization.
• Ensure employee relations programs and policies comply with federal, state, and local employment laws, and partner with Legal and Compliance to update policies, guidance, and training based on evolving legislation or workplace trends.
• Review and update employee handbook policies to ensure compliance with federal, state and local employment laws (e.g., EEO, FMLA, ADA, etc.).
• Manage the severance program; ensuring guidelines and policies are up to date. 
• Oversee compliance externally with regulatory requirements (state reporting)
• Contribute to the continuous improvement of ER frameworks, investigation tools, training, and manager resources to strengthen organizational health and trust.

To thrive in this role, you have

• 10+ years in employee relations or HR business partnering, with increasing responsibility in complex, high-growth or matrixed environments.
• Bachelor’s degree in Human Resources, Business Administration, or related field preferred.
• Deep expertise in employment law and HR compliance
• Strong investigation, mediation, and problem-solving capabilities
• Proven ability to influence at senior levels and drive cross-functional alignment
• Exceptional written and verbal communication across diverse audiences
• Data-driven mindset for identifying ER trends and solutions
• Proven ability to use sound judgment to address multifaceted organizational challenges.

#LI-Hybrid #LI-WS1

About the role

Chime is building a world-class member support organization, and we believe member support should be built around 3 guiding principles:

1. Frictionless product: Use member insights to mitigate member issues with a simple,  transparent product
2. Self-service: Provide self-service and automated capabilities to help members quickly resolve issues while creating a community for members to support each other
3. Excellent support: When members do have to contact us, provide them with excellent service.

As a Senior Content Strategist, you’ll lead efforts to build and improve content that helps our members and agents quickly get what they need. You’ll partner cross-functionally to shape content that supports our product and support strategies. You’ll work across a variety of content types, including member-facing help articles and internal agent SOPs, partnering with stakeholders to create clear, actionable content that supports our core audiences. You’ll proactively identify opportunities to improve the content experience, shape strategy, and drive measurable improvements in our core support metrics.

This is a high-impact, high-visibility position that interacts with a broad group of internal and external stakeholders. A successful candidate is able to manage multiple projects and meet tight deadlines while maintaining close attention to detail.

The base salary offered for this role and level of experience will begin at $116,000.00 and up to $160,000.00. 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

Editorial Governance & Quality Standards:

• Inspect Content efficacy using existing metrics across LOBs and establish frameworks to hold ourselves accountable, leaning into AI solutions where valuable
• Own the content strategy for a defined set of LOBs and partner with a team of writers to ensure execution against set standards.
• Own agent feedback on designated content and ensure our process enables the team to meet SLAs and deliver impact through improved articles.
• Inspect our editorial processes and identify ways to enable higher quality content at speed and at scale.

Monitoring, Reporting & Accountability:

• Partner with our Insights and Data teams to review and build additional dashboards and tooling to establish more automated governance mechanisms. 
• Ensure accurate reporting, insights, and actions that drive impact for the agents, our members, and Chime.

Continuous Improvement & Reinforcement:

• Leverage established standards in such a way that the team is unified in their approach to publishing and evaluating efficacy, including agent feedback. Propose, build, and operationalize AI solutions for efficiency and consistency.

To thrive in this role, you have

• Bachelor’s degree required
• 5+ years of experience in one or more of these areas: help and support content, product or content operations, or technical writing.
  • Experience with Identity and Fraud procedures for FinTech is a bonus
• Strong analytical skills with experience creating and reporting on content quality metrics and performance data
• Strong verbal and written communication skills and a track record of success with internal and external stakeholders.
• Experience defining, tracking, and reporting on content metrics and providing data-driven analysis.
• Ability to balance strategic thinking with hands-on execution in a fast-paced environment
• Experience working with CRM tools (like Zendesk or Salesforce), content management systems, LLMs or generative AI tools, and Google Workspace. 
• Previous experience working with vendors, BPO partners, or writing contractors is a plus.
• Willingness to travel domestically and internationally 2–3 times a year is a plus.

#LI-BE1 #LI-Remote

About the role

We are hiring for a Sr. Director, Strategy and Growth Initiatives to help define and drive the long-term strategy and growth of the company. As our Sr. Director, you’ll identify where the business should go next, shape the long-term vision with senior leadership, and turn that into actionable initiatives that drive durable growth. You’ll work across Product, Marketing, Analytics, and other functions to solve the company’s most important and ambiguous problems, and ensure those strategies translate into real outcomes.

The base salary offered for this role and level of experience will begin at $253,000.00 and up to $350,000.00. 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

• Identify and lead high-impact strategic initiatives that drive long-term growth and business durability
• Analyze market, competitor, and consumer trends to inform company strategy and priorities
• Partner closely with senior leaders to shape long-term vision and drive alignment across the organization
• Translate strategy into actionable plans and ensure initiatives are executed across cross-functional teams
• Develop deep analytical insights and research to support decision-making and prioritization
• Influence decisions and drive accountability across Product, Marketing, Analytics, and other functions
• Lead complex problem-solving efforts and guide project teams to deliver measurable business outcomes

To thrive in this role, you have

• 10+ years of experience in strategy/management consulting, corporate strategy, or operating roles within financial services or fintech
• An MBA or equivalent experience
• Proven ability to influence senior stakeholders and drive alignment across complex organizationsx
• Strong analytical and problem-solving skills, including financial modeling and data-driven decision making
• Experience leading and managing project teams and driving initiatives end-to-end
• Excellent communication skills with the ability to translate insights into clear recommendations
• Deep experience in fintech/financial services and/or hands-on experience with data analysis, market research, or product analytics (preferred)

#LI-BE1 #LI-Onsite

About the role

Chime is undergoing one of the most significant transformations in our member support history by migrating our enterprise contact center to Genesys Cloud CX. We are seeking a Genesys Platform Lead to serve as the internal authority for this platform: ensuring the migration lands correctly and the platform continues to operate at its best long after launch. This is not a build-and-hand-off engagement; the role serves as an ongoing "watchtower" – accountable for correct configuration, rigorous governance, and continuous improvement. 

The base salary offered for this role and level of experience will begin at $138,000.00 and up to $190,000.00. 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 the solution architecture for Genesys Cloud CX — defining how it's configured, integrated with our CRM, WFM, bots, and identity systems, and governed so complexity doesn't quietly accumulate over time.
• Be the internal reviewer for every significant architectural decision made by our Systems Implementer and Managed Services Provider, validating that what gets built actually aligns with Chime's standards and long-term operating model.
• Lead our most complex Genesys initiatives — from new AI platform integrations to major IVR redesigns — translating business and CX requirements into technically sound platform designs and keeping delivery tracks aligned across Engineering, SI, and MSP.
• Own the Genesys vendor relationship on behalf of Operations & Member Experience: managing partner performance to contract and SLAs, escalating issues when needed, and representing Chime's operational priorities to influence the Genesys product roadmap.
• Drive platform effectiveness through data — measuring utilization and feature adoption, identifying optimization opportunities, and building a continuous improvement roadmap that improves routing performance, cost efficiency, and operational resilience.
• Participate in CAB (Change Advisory Board) governance as the platform technical authority, ensuring changes are architecturally sound before release and partnering with the PMO/Change/Governance team to keep things well-sequenced and safe to deploy.
• Build institutional knowledge that outlasts any one vendor or individual — through documentation, runbooks, and architecture decision records that keep Chime genuinely independent in how we operate this platform.

To thrive in this role, you have

• 5+ years of experience in contact center platform operations, architecture, or technical program management — you've been in the weeds on real deployments, not just advised from the sidelines.
• Deep hands-on knowledge of Genesys Cloud CX, including Architect (IVR/flow design), ACD routing, queue management, skills-based routing, and platform administration.
• A track record of holding SIs or MSPs accountable — you know how to manage vendor relationships against contracts and SLAs, and you're comfortable escalating when commitments aren't being met.
• Strong solution architecture skills: you think in integration patterns, governance frameworks, and technical standards, and you know how to design for the long term rather than just solving the problem in front of you.
• Experience leading complex, multi-workstream technical programs with third-party implementers — you can keep dependencies untangled and prevent the kind of silent integration failures that only surface at go-live.
• The ability to move fluidly between deep technical design and clear communication with non-technical stakeholders — translating architectural tradeoffs into language that lands with business and CX leaders.
• Bonus points for: Genesys Cloud CX Architect Certification; experience with CCaaS migrations; familiarity with Zendesk, NICE IEX, Okta/SCIM, or bot/AI integrations; background in financial services or regulated industries; or experience with Terraform-based Genesys configuration.

#LI-BE1 #LI-Remote

About the role 

The Senior Analyst, Financial Crimes & Identity Quality is responsible for performing and helping lead quality reviews across Financial Crimes and Identity workflows, including the quality of unusual banking transaction investigations by reviewing customer account activity in order to identify and evaluate atypical activity. This role evaluates completed investigations, supporting documentation, and case decisions across AML, fraud, KYC/CDD, watchlist, negative news, and EDD to validate accuracy, completeness, consistency, and adherence to applicable policies, procedures, regulatory requirements, and bank partner expectations.

The base salary offered for this role and level of experience will begin at $112,000.00, and up to $155,000.00. 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

• Lead complex quality assurance sampling and reviews across Financial Crimes and Identity workflows, including Transaction Monitoring no-file and UAR alerts, bank referrals, fraud referrals, KYC/CDD, watchlist, negative news, and EDD reviews.
• Review customer account activity, investigative narratives, supporting documentation, case decisions, and supporting evidence to validate the accuracy, completeness, and sufficiency of completed investigations.
• Leverage data and quality findings to identify anomalies, quality trends, root causes, and emerging risks across internal and BPO/vendor investigative work.
• Identify, document, and communicate quality findings in a clear and actionable way, including defects, policy interpretation gaps, coaching themes, and opportunities to strengthen consistency across Financial Crimes and Identity.
• Deliver QA feedback and coaching to investigators, QA peers, BPO/vendor teams, and BPO/vendor leadership; help facilitate calibration sessions and champion a quality-first mindset by translating quality trends into clear expectations, coaching strategies, and practical accountability routines.
• Partner with Financial Crimes, Identity, Risk, Bank Partner, and vendor operations teams to support procedure updates, quality expectations, and operational improvements.
• Produce quality reporting and insights that help leadership understand trends, review consistency, and areas where process or control improvements may be needed.
• Navigate complex policy interpretation, and edge-case decisioning, and raise concerns or proposed solutions when quality or risk gaps are identified.
• Lead or support QA projects, readiness for new or changing workflows, case reviews, and other job related duties or special projects as assigned.
• Approximately 10% travel may be required.

To thrive in this role, you have

• 4+ years banking, risk management, or fraud detection/investigation experience.
• ACAMS certification is a plus
• Prior experience with Fraud and/or AML investigations, with a preference for both, including the ability to identify potential unusual activity, draft/review Unusual Activity Reports, review no-file decisions, and train or coach others on these processes.
• Experience with KYC/Identity workflows, including CDD, watchlist screening, negative news, and EDD.
• Prior quality assurance or quality control experience within Financial Crimes, AML, Fraud, Identity, or a related compliance function.
• Experience working with BPO/vendor investigation teams, including reviewing quality outcomes, driving calibration, and providing feedback or coaching.
• Excellent organizational and time management skills, with the ability to multi-task, maintain accuracy, and meet deadlines in a fast paced, high volume environment.
• Effective analytical and problem solving skills, with abilities in analyzing data patterns, investigating customer transactions, and translating findings into quality trends and actionable insights.
• Self starter possessing the ability to work independently while supporting a team environment.
• Strong attention to detail and high concern for data accuracy with the ability to follow directions and apply proper policies, procedures and guidelines.
• Knowledgeable of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT Act, US Treasury AML guidelines, OFAC requirements, and Unusual/Suspicious Activity Reporting requirements preferred.
• Proficiency with, or ability to quickly gain proficiency with, case management systems, internal tools, Microsoft Office applications (Excel, Word), Google products, and large subsets of data.
• Experience identifying and advancing AI-enabled quality use cases, including creating reusable skills or agent workflows, defining practical guardrails, validating outputs against policies and bank partner expectations, and translating quality trends into automation opportunities.
• Strong written and verbal communication skills, including the ability to explain complex quality findings to operations, compliance, risk, bank partner, and vendor stakeholders.
• Ability to navigate ambiguous or complex fact patterns, apply good judgment, and constructively provide feedback to BPO agents. 

#LI-BE1 #LI-Onsite

About the role

We're hiring a Lifecycle Marketing Manager to join our Product and Lifecycle Marketing team. In this role, you'll design and optimize lifecycle programs that engage, retain, and grow members across their entire journey with Chime—from top of funnel through long-term retention—with a clear focus on driving growth, revenue, and member lifetime value (LTV).

This is a role for a holistic, business-minded marketer rather than a single-channel specialist. You'll think in terms of segments, experiments, and outcomes: building targeted campaigns across the channels we own—push, in-app, and out-of-app (email, SMS)—while connecting those touchpoints with the broader, non-owned channels that shape the member experience. You'll partner closely with cross-functional teams to turn data into segmentation, automation, and personalization strategies that move the business.

This is a role with department-level impact: you'll own diverse projects, exercise significant independent judgment, and influence how members experience Chime across the full lifecycle.

If you're creative, dedicated, and love working in a fast-paced environment alongside passionate colleagues, we want to meet you.

The base salary offered for this role and level of experience will begin at $139,000 and up to $181,000. 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 full-funnel lifecycle strategy—from top of funnel through activation and long-term retention—building targeted campaigns that drive growth, revenue, and member LTV.
• Define segments and translate them into targeted, personalized campaigns across owned channels (push, in-app, and out-of-app), connecting them with the broader non-owned channels that shape the end-to-end member experience.
• Generate data-driven hypotheses and run experiments to continuously optimize evergreen lifecycle campaigns and transactional communications, working with analytics to measure impact, socialize findings, and develop next steps toward bigger wins.
• Develop and steward channel guidelines and governance, preserving the quality and integrity of our communications ecosystem.
• Collaborate and build strong relationships with partners across Product, Product Marketing, Engineering, Analytics, Design, User Research, CRM, and more to develop and deliver on shared strategies for large cross-functional initiatives.

To thrive in this role, you have

• 4–6+ years of experience in lifecycle, growth, or related marketing, developing end-to-end campaigns from conceptualization to measurement.
• A growth-oriented, business-first mindset—you think about revenue, LTV, and the full funnel, not just individual channels, and you can connect owned channels (push, in-app, out-of-app) with the broader member experience.
• A proven track record of building segments and managing successful campaigns across multiple channels (email, push, SMS, in-app messaging).
• Strong experimentation chops—comfortable with A/B testing and using results to inform what to scale next.
• Strong analytical skills with experience in data-driven marketing and performance analysis.
• The ability to work cross-functionally and collaborate with various stakeholders, exercising significant independent judgment.
• Experience with key marketing platforms (Braze, Looker; AI tools a plus).
• A strong self-starter mindset—adaptable and able to think critically to develop creative solutions with limited resources.

#LI-AM1 #LI-Hybrid

About the Role

We are hiring a Senior Analyst for AML Governance & Advisory within Financial Crimes & Identity. This team owns the governance framework supporting Chime's BSA/AML and OFAC compliance programs, ensuring that policies, procedures, controls, and reporting structures align with regulatory expectations, partner bank contractual obligations, internal risk appetite, and evolving financial crime risks.

This position requires someone who thrives in a fast-paced, high-growth environment and can balance regulatory rigor with operational agility. The ideal candidate is proactive, assertive, and solutions-oriented, capable of driving initiatives forward, challenging the status quo, and identifying opportunities to automate and streamline governance processes.

The analyst partners cross-functionally with Compliance, Risk, Legal, Financial Crimes’ Operations, Product, and Engineering to drive effective oversight, documentation, and continuous program maturity.

You will partner cross-functionally with Compliance, Risk, Legal, Financial Crimes Operations, Product, and Engineering to drive effective oversight, documentation, and continuous program maturity.

The base salary offered for this role and level of experience will begin at $112,000.00 and up to $155,000.00. 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

• Lead and enhance governance frameworks supporting the BSA/AML and OFAC programs, ensuring clear ownership, accountability, and effective oversight.
• Drive governance routines, executive and committee reporting, and escalation processes in a fast-paced regulatory environment.
• Track, analyze, and report on program risks, issues, remediation plans, and control effectiveness to promote transparency and informed decision-making.
• Partner with Financial Crimes and Risk teams to support enterprise-wide AML and sanctions risk assessments, document controls and control owners, and strengthen the control framework.
• Draft, update, and maintain BSA/AML and OFAC policies, standards, and procedures in alignment with regulatory requirements and bank partner obligations.
• Monitor regulatory and guidance developments, assess applicability and impact to Chime, and drive the resulting policy and control updates to completion.
• Prepare comprehensive materials for regulatory exams, bank partner reviews, and internal/external audits, maintaining audit-ready documentation repositories.
• Coordinate audit and exam responses, and drive remediation efforts with clear milestones, measurable outcomes, and strong follow-through.
• Support issues management end to end — from issue intake and root cause analysis through corrective action plan design, validation, and sustainability evidence.
• Collaborate cross-functionally to influence outcomes, support change initiatives, and implement scalable governance improvements.

To thrive in this role, you have

• 5+ years of experience in BSA/AML and OFAC compliance, with significant time spent in a governance, advisory, or second-line capacity at a fintech, bank, or other directly regulated financial institution.
• Deep working knowledge of FinCEN, OCC, and FFIEC requirements and examination expectations, with applied experience in consumer banking, payments, or lending.
• Exceptional written communication, with demonstrated ability to translate regulatory requirements into clear, defensible policies, procedures, and executive-level narratives.
• Experience supporting regulatory examinations, internal or external audits, and bank partner reviews — including request-list management, evidence collection, and interview preparation.
• Hands-on issues management experience: authoring corrective action plans, defining validation criteria, and tracking remediation to closure with evidence of sustainability.
• Experience contributing to enterprise-wide BSA/AML and sanctions risk assessments, including inherent risk scoring, control effectiveness rating, and residual risk methodology.
• Working knowledge of the three lines of defense model, and the judgment to provide credible independent challenge while maintaining strong first-line partnership.
• Experience building executive- or Board-level reporting materials and running formal governance and committee routines.
• A demonstrated record of driving automation or process improvement within a compliance or risk function.
• Strong program management skills, with the ability to run multiple concurrent workstreams against firm regulatory deadlines.
• Proven ability to influence across Compliance, Legal, Risk, Product, and Engineering.
• Comfort operating with urgency amid ambiguity, shifting priorities, and incomplete information.

Bonus points if you have

• Experience in a sponsor-bank/BaaS operating model, including partner bank oversight expectations, contractual compliance obligations, and multi-party escalation dynamics.
• Proficiency with data and workflow tooling — SQL or BI platforms (Looker, Tableau), GRC platforms (Archer, LogicGate, AuditBoard, Workiva), and comfort applying AI tooling to reduce manual governance work.
• Familiarity with the financial crimes technology landscape — transaction monitoring, sanctions screening, and case management systems — and the control considerations each carries.
• Experience with regulatory change management programs and enterprise risk management frameworks.
• CAMS, CFCS, or a comparable certification.
• Experience in a high-growth fintech or startup environment.

#LI-Onsite #LI-BE1

About the Role

The Applied AI team's job is to make AI a trusted co-pilot for every Chimer — so Chime moves faster and builds better. As Program Manager, AI Enablement, you own the programs that make that happen: the networks, resources, and rhythms that move Chimers from knowing AI tools exist to actually changing how they work.  This is a program ownership role, not a coordination role. You come in with a problem and a scope, and you come back with the shape: narrative, roadmap, milestones, success metrics, operating cadence. The programs you run should be able to survive a week without you.

The base salary offered for this role and level of experience will begin at $138,000.00 and up to $190,000.00. 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 cross-functional AI enablement programs end-to-end: design, operating cadence, stakeholder activation, and fluency outcomes
• Go deep on workflow problems before proposing solutions — spend time understanding what's actually slowing teams down, then design programs and tools that address the root cause
• Partner directly with teams to build AI-enabled solutions — not just roll them out, but get hands-on in the design and build alongside the people doing the work
• Set the health model for your programs from day one — success metrics, milestones, and status that lives on shared surfaces without anyone having to ask
• Drive adoption of AAI-built tools and resources so Chimers can level up without going through AAI every time
• Build and maintain self-serve enablement resources (e.g., playbooks, golden paths) that orgs can use independently
• Lead change management for AI enablement work — training, comms, and activation that shifts behavior, not just awareness
• Build documentation and governance into programs from the start, so nothing depend on you being in the room
• Measure whether Chimers are actually working differently (fluency progression, adoption signals, and productivity tied to company goals) and report that to leadership
• Foster collaboration between Product, Engineering, BizOps, and People teams to operationalize the future of work at Chime.

To thrive in this role, you have:

• 5+ years of experience in program or project management, preferably in a fast-paced tech environment.
• Experience taking ambiguous problems and building a program around them; narrative, roadmap, milestones, and operating cadence without waiting for structure to be provided
• History of driving behavior change, not just program completion, and the judgment to know the difference between a launch and a result
• Hands-on experience building or automating workflows using AI tools — able to walk through something personally built, what broke, and what changed as a result.
• Experience owning large, distributed programs without direct authority over participants, and keeping them activated and accountable
• Communication habits that keep stakeholders informed without them having to ask — status on shared surfaces, not surfaced reactively
• Experience defining program health models upfront: success metrics, milestones, and measurement built in before launch, not retroactively
• Comfort spending time in a problem before designing a solution
• Familiarity with common productivity or workflow tools (e.g., Jira, Asana, Notion, etc)
• Preferred qualifications
  • Experience running ambassador, champion, or CoE programs; groups where you had no direct authority over participants but were accountable for their activation and outcomes
  • Background in enablement, L&D, or change management in a technology environment
  • Experience in an internal AI or enterprise AI adoption role
  • Hands-on experience with AI tooling (e.g., ChatGPT, Glean, Claude, Cursor, Gemini)
  • Background in product operations, business operations, or technical program management.
  • Working knowledge of AI governance or Responsible AI principles.

#LI-Onsite #LI-LB1

About the Role

At Chime, we believe in the power of our product to help people lead healthier financial lives. The Trust & Safety team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss.

We are looking for a Product Manager to lead product strategy and execution for Transaction Risk Decisioning at Chime.

This team builds the decisioning systems and product experiences that help Chime evaluate transaction risk in real time across card payments, peer-to-peer payments, bank transfers, and other money movement surfaces. The team partners closely with engineering, analytics, risk strategy, operations, and platform teams to reduce fraud, improve approval rates, and make risk outcomes clearer and more recoverable for members.

For our members, this space is deeply personal. A risk decision can determine whether a card transaction goes through, whether money movement succeeds, whether a suspicious action is stopped in time, and whether a member feels protected or unfairly blocked. The best products in this area make safety visible without making everyday banking harder. They keep friction targeted to risky behavior, not normal behavior, and turn declines or interventions into understandable, recoverable experiences.

What this team owns

This is a high-leverage role at the intersection of risk, growth, trust, and product quality. The team owns outbound transaction risk across card authorization, ACH, peer-to-peer, outbound transfers, and related surfaces — protecting a large share of Chime's revenue while minimizing fraud and disputes and enabling healthy growth.

In this role, you can expect to

• Drive strategy to reduce transaction declines and increase purchase volume authorization rates — directly impacting members' experience with Chime, and helping Chime's revenue and purchase volume growth
• Launch new controls for an emerging fraud pattern across a money movement rail
• Redesign a risky decline flow so more good members recover successfully while bad actors are still contained,
• Work cross functionally with analysts, data science, Compliance, Legal and engineers to improve the quality of risk signals flowing into a decision checkpoint,
• Partner with member support teams to make a confusing risk outcome understandable and actionable for members,
• Help launch new financial products safely by designing the right safeguards, fallbacks, and monitoring.

To thrive in this role, you have

• 5+ years of experience as a Product Manager 
• Deep expertise in payments risk — you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it
• Proven ability to think strategically about purchase volume and authorization rates , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss
• A track record of bringing thought leadership to hard, ambiguous problems - you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership
• A strong product mindset and the ability to translate complex risk and platform challenges into clear strategy and execution
• Experience operating in systems with significant policy, operational, and data dependencies
• The ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities
• Strong customer empathy and a track record of turning user insights into product decisions — with a particular sensitivity to how declines and friction moments affect member trust and retention
• Strong analytical skills and experience applying machine learning and AI methodologies
• Deep curiosity and a strong sense of ownership
• Experience working in a fast-growing, cross-functional environment
• A passion for helping members lead healthy financial lives

The base salary for this role depends on the position location:

• San Francisco, CA: The base salary range is $183,000 to $205,000.

• Chicago, IL: The base salary range is $165,000 to $185,000.

#LI-WS1

About the Role

As our Performance Creative Program expands, we're looking for an experienced Associate Creative Director to guide a team of designers, copywriters, and video editors in producing original creative based on insights, learnings, and strategic briefs. You'll operate as a player-coach — designing best-in-class creative yourself while mentoring and guiding the team. You’ll work closely with the Growth Producer, Creative Strategists, and Channel Managers to produce DR-minded content at scale across performance channels, and to drive performance improvements. You're equally comfortable concepting big ideas from scratch and executing final design, and you know how to translate brand identity into high-performing creative — not just optimize within it. You're AI-native in your approach to creative work, comfortable in prompting and directing AI tools to accelerate ideation and production without sacrificing craft or brand integrity.

The base salary offered for this role and level of experience will begin at $145,000 and up to $200,000. 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

• Give effective creative direction and feedback across three distinct disciplines — design, copywriting, and video editing — ensuring copy, visuals, and video work cohesively together, and catching mismatches in tone, pacing, or message before final delivery
• Concept original creative ideas and campaigns, not just execute against existing briefs — bringing fresh thinking rooted in cultural and social trends
• Partner cross-functionally with Channel Managers, Creative Strategists, and brand teams — helping shape sharper, more actionable briefs, understanding what creative is winning and why, and ensuring DR creative stays true to brand voice and identity while still driving KPIs
• Collaborate with external agency and freelance partners — briefing them clearly, giving timely creative direction and feedback on their work, and holding it to the same bar as in-house output
• Guide creative approach across the full range of performance channels — paid social, organic/owned, CTV, print
• Set a quality bar rooted in brand consistency and performance, not perfection — helping the team know when something's ready to ship versus when it needs another pass, given the speed and volume DR/growth work demands.
• Champion AI-assisted workflows: identify where generative AI tools can speed up ideation, scripting, storyboarding, rough-cut editing, and asset variation, and coach the team on effective prompting and tool use

To thrive in this role, you have

• 8-10+ years in performance creative, including experience leading, mentoring, or managing designers, copywriters, and/or video editors (player-coach experience preferred)
• Strong concepting and ideation skills in addition to design execution — proven ability to originate creative territories, not just produce against a given brief
• Multi-disciplinary fluency: working knowledge of short-form video editing (hooks, pacing, UGC-style production) and copywriting fundamentals (hooks, CTAs, tone) — enough to give sharp, credible feedback outside your core craft
• Deep fluency in cultural and social trends, and a track record of translating them into performance creative
• Experience balancing brand guidelines with performance requirements, partnering cross-functionally with brand/marketing teams
• Experience managing or directing external agency, freelance, or vendor creative partners
• Experience across print, in addition to Meta, TikTok, YouTube, Mobile, and Google
• Experience directing or being on set for lightweight, fast-turn UGC-style production shoots — not mandatory, but a plus.
• AI-native fluency: hands-on comfort prompting and directing AI tools (e.g., generative image/video, AI-assisted editing, script or copy drafting) to support ideation and production, with the judgment to know where AI speeds things up and where it doesn't — not mandatory, but a strong plus.

#LI-AM1 #LI-Hybrid

About the role

We’re hiring a Principal Product Manager to lead Top of Funnel Lending at Chime. This is a platform role, not a single-product role: it spans every credit product we take top of the funnel for — loans, credit cards, lines of credit, and the products that come next. You’ll own how members discover, register for, and get approved for credit at Chime, setting acquisition and conversion strategy across the full lending portfolio and building the platform that every current and future lending product grows on top of. The opportunity here is enormous for Chime’s growth. It is bigger still for the millions of Americans looking for a fair source of liquidity — a little help getting past an unexpected expense, or a way out of bad debt.

As our Principal Product Manager for Lending Top of Funnel, you’ll own the product end-to-end — from defining strategy and prioritizing investments to partnering across Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance to bring your vision to life. You’ll lead company-program-sized cross-functional efforts: building new registration flows into Chime; growing the funnel with credit bureaus, data rich affiliates, and other channels; partnering with Product Marketing to get sharp on channel optimization and CAC; and building the experiences that determine whether a member converts. This role reports to the Director of Product.

The base salary offered for this role and level of experience will begin at $255,000 and up to $290,000. 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 the strategy and roadmap for lending top of funnel end-to-end, across loans first, but additionally credit cards, lines of credit, and the credit products that come next.
• Lead company-program-sized cross-functional efforts, starting with new registration flows into Chime.
• Grow the funnel zero to one.
• Partner deeply with Product Marketing on channel optimization and CAC to make acquisition efficient at scale.
• Build the experiences that decide whether a member converts to Chime for their primary bank.
• Give millions of Americans a fair source of liquidity when they need it, whether that’s covering an unexpected expense or getting out of bad debt.
• Drive product decisions across the full product lifecycle, partnering closely with Engineering, Design, Data Science, Risk, Operations, Legal, Compliance, Marketing, and Finance.
• Make high-conviction prioritization decisions and align cross-functional teams around a clear product vision, measurable outcomes, and business impact.
• Use customer insights, experimentation, and data to continuously improve the member experience while growing a profitable business.
• Serve as a product leader for the team, creating clarity, setting direction, and ensuring exceptional execution from strategy through launch.

To thrive in this role, you have

• 11+ years of experience leading consumer product strategy and execution for high-impact digital products from concept through scale.
• Direct experience growing the top of funnel for lending products — loans, credit cards, or lines of credit — at a major consumer business, with measurable results on application volume, conversion, and CAC.
• A proven track record of owning complex product areas with measurable business outcomes, ideally including growth, monetization, or financial products.
• Experience working with credit bureaus, affiliates, and acquisition marketplaces and partnering with Product Marketing on channel strategy.
• Experience building or managing complex consumer financial platforms, high-scale fintech products, or mission-critical decisioning systems.
• Experience making strategic product decisions in highly cross-functional environments with Engineering, Design, Analytics, Risk, and business partners.
• Strong product intuition backed by data, with the ability to prioritize effectively and make thoughtful tradeoffs.
• Experience building products that simplify complex customer problems and deliver exceptional user experiences.
• Excellent communication and stakeholder management skills, with the ability to influence across functions and executive audiences.

#LI-WS1

About the role

We’re hiring for a Senior AI/ML Engineer, Growth & Marketing AI to help us build the next generation of AI-powered growth and marketing capabilities at Chime. In this role, you’ll develop foundational transformer models that convert behavioral and financial data into highly personalized experiences, recommendations, and communications for millions of members.

You’ll work closely with the Growth & Marketing team, as well as the Product and Engineering teams to deploy scalable AI systems that improve member engagement and drive company growth. This is a highly applied role where you’ll have the opportunity to work with rich datasets, solve challenging real-world problems, and build cutting-edge deep learning systems in production.

The base salary offered for this role and level of experience will begin at $202,000.00 and up to $238,000.00. 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

• Develop and deploy sequential deep learning models and traditional machine learning systems to power growth and marketing initiatives
• Build predictive models using large-scale financial, transactional, and behavioral datasets to improve personalization and member engagement
• Partner cross-functionally with Growth & Marketing, Product, and Engineering teams to drive strategic AI/ML initiatives
• Design and improve infrastructure for training, serving, and monitoring large-scale ML and deep learning systems in both batch and real-time environments
• Generate insights and recommendations that improve growth effectiveness and the overall member experience
• Contribute to experimentation frameworks, optimization strategies, and scalable ML platform capabilities
• Help identify technology gaps and opportunities where AI/ML solutions can create measurable business impact

To thrive in this role, you have

• Deep expertise in building sequential and deep learning models, especially outside of traditional NLP applications and within financial or behavioral data domains
• Strong experience across the end-to-end ML lifecycle, including training, experimentation, optimization, deployment, and monitoring
• Experience working with large-scale transactional, financial, or behavioral datasets to develop predictive models
• Hands-on experience with AWS and modern ML infrastructure tools such as SageMaker, Kafka, Airflow, Redis, Snowflake, and Spark
• Strong proficiency in Python, SQL, and distributed computing and model training frameworks such as PyTorch and PySpark for scalable ML development
• A strong MLOps mindset with experience deploying and maintaining production-grade ML systems
• The ability to operate independently, collaborate cross-functionally, and move quickly in ambiguous environments

#LI-GC1 #LI-Hybrid

About the role

Chime's Deals & Offers team helps members get more value out of everyday spend. We build the member-facing deals, cashback, and merchant-offer experiences, plus the offers platform underneath them: the deals catalog, personalization and discovery surfaces, attribution and measurement, and partner integrations that power it all. Our work turns everyday transactions into real savings and gives members a reason to reach for Chime first. The team also owns Chime Wireless, a 0-to-1 vertical product. This is a rare chance to build a new business from the ground up inside a company with millions of members, shaping the product, the systems, and the roadmap from scratch.

We’re hiring a Tech Lead Manager (TLM) to lead this team. TLMs at Chime manage a team of 4–5 engineers, setting the hiring bar, coaching and developing talent, and driving all formal people management activities. They own execution and delivery for the squad while staying in the code, authoring and shipping features alongside their team. 

This is a player-coach role: you will manage a group of engineers building both the consumer experiences and the backend systems that serve offers at scale, and you will stay in the code yourself, contributing to features and reviewing your team's pull requests. You will partner closely with Product, Design, Analytics, and partner teams to grow deal discovery, claim, and redemption, while keeping the underlying platform reliable and easy to build on. You will steer technical direction, lead by example, and develop the people on your team.

The base salary offered for this role and level of experience will begin at $199,000.00 and up to $275,000.00. 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

• Lead, hire, and develop a high-performing engineering team, and grow engineers through their next stage of impact
• Stay hands-on: write and ship code on high-leverage projects, and set the technical bar by doing the work alongside your team
• Review your team's pull requests and lead design reviews, raising the bar for quality, testing, and maintainability through direct feedback
• Own the technical direction for the deals and offers surface, from member-facing discovery and redemption experiences to the platform that powers them
• Establish a sense of urgency and direction, set clear team objectives in alignment with organization and company priorities, and hold a high bar for execution
• Drive architecture and technical decisions that keep the deals platform reliable, well-instrumented, and scalable as volume grows
• Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
• Contribute to broader SSI and Chime engineering initiatives as a member of the engineering leadership team
• Manage partner and merchant integrations, working across engineering and external vendors to expand offer supply and improve measurement
• Partner closely with Product, Design, and Analytics to grow deal attach, claim, and redemption, and to turn experiments into durable member value

To thrive in this role, you have

• 2+ years of people management experience, including hiring and developing engineers
• Current, hands-on coding ability and the desire to stay technical; you are excited to contribute code and review PRs, not just manage
• Fluency with AI-assisted development tools such as Claude Code, Codex, or Cursor, and a track record of using them to raise your own and your team's leverage
• A strong technical foundation and the ability to guide architecture and review technical decisions with your team
• Experience shipping consumer product features and running experimentation, with a bias toward iteration and measuring impact
• Experience with service-oriented architectures and building or owning backend platforms at scale; familiarity with our stack (Ruby on Rails, React Native, AWS, distributed systems) is a plus
• Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics
• Experience integrating with third-party partners or vendors is a plus
• Deep empathy for engineers and a genuine interest in how to make teams and people thrive
• The ability to motivate a team through delivery on aggressive schedules and goals

#LI-Onsite #LI-AC1

About the role

Chime is looking for an engineering leader to help manage and guide one of the Spending, Saving & Investing (SSI) engineering teams. Chime’s SSI org is on a mission to make Chime the top choice for everyday spending by building innovative, reliable, and member-first financial tools. We focus on driving active spend and usage, increasing reliability and availability, and delivering seamless, trusted experiences across cards, credit, money movement, saving and investing, deals, and transaction intelligence. Our work empowers members to manage their money with confidence, spend smarter, and improve their long-term financial health.

We're hiring Tech Lead Managers (TLM) for multiple squads in SSI. TLMs at Chime manage a team of 4-5 engineers: Setting the hiring bar, coaching and developing talent, and driving all formal people management activities. They own execution and delivery for the squad. They stay in the code, authoring and shipping features alongside their team. 

The base salary offered for this role and level of experience will begin at $199,000 and up to $275,000. 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

• Manage and develop a squad of 4-5 engineers: Hiring, 1:1s, career coaching, managing for performance
• Own delivery for your squad end to end, from sprint planning and delivery commitments through service SLAs and operational health
• Write and ship code alongside your team, authoring pull requests that land in production
• Be accountable for the squad's technical direction, architecture, and quality bar, either via a tech lead on the squad, or by taking on the tech lead role yourself.
• Use AI coding agents and tooling to raise both your own leverage and your squad's, and establish the practices that make that durable for the team
• Partner with Product and Design on scope, prioritization, and quarterly planning, surfacing technical dependencies and capacity needs early
• Act as the squad's cross-functional point of contact for its technical capabilities and dependency coordination, and carry the "what should we build" conversation if/when a PM isn't dedicated to your squad
• Identify technical debt and advocate for sustainable engineering, staying an active contributor to the codebase
• Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
• Build growth paths for the engineers on your squad towards the higher IC levels or a future TLM role
• Contribute to broader SSI and Chime engineering initiatives as a member of the engineering leadership team

To thrive in this role, you have

• 2+ years in people management responsibilities.
• Current, hands-on coding ability and the desire to keep it. You are writing code today and want a role where that continues.
• A track record of using AI-assisted development tools such as Claude Code, Codex, or Cursor to accelerate real delivery, and of getting a team to adopt them with measurable impact on output
• Experience supporting coaching members of your team around project execution, skill development, and career progression.
• Interest in pushing the technology, people, and organization envelope to explore new ways we can deliver amazement to our customers.
• Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics.
• A fascination in how to make teams and people thrive.
• Enjoyment in learning and diving into the deepest levels of how things work.
• The ability to motivate a team through delivery on aggressive schedules and goals.
• Experience with similar tech: Ruby, React Native, Distributed Systems, AWS services (data, compute) and Service Oriented Architectures

#LI-AC1 #LI-Onsite

About the role

Chime is on a mission to help millions of everyday people achieve financial progress — and we've built one of the strongest digital acquisition organizations in the industry to get there.

The Director of Growth and Acquisition owns what comes next: leading the full digital acquisition portfolio — paid social, paid search, affiliate, YouTube, mobile and app networks, and emerging channels — while building the capabilities that define Chime's next chapter of growth.

This is a leadership role, not a channel-management role. The foundation — building great teams, running healthy channels, and consistently delivering results — doesn't change. What changes is the mandate: this leader is accountable for delivering today's business while identifying and building tomorrow's growth engine, staying close enough to the ecosystem of platforms, agencies, and technology partners to bring new capabilities into Chime before they become table stakes.

This role sits within Chime's newly evolved Media & Acquisition organization, alongside a Director of Media leading Offline, Media Planning, and MMM. Together, these two roles are being broadened in scope as Chime moves from a channel-by-channel model toward a more complete, portfolio-level view of how every marketing dollar creates value.

The base salary offered for this role and level of experience will begin at $196,000.00 and up to $270,000.00. 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 performance across Chime's full digital acquisition portfolio (paid social, paid search, affiliate, YouTube, mobile/app networks, and emerging channels), delivering ambitious growth, efficiency, and CAC targets.
• Make portfolio-level investment and prioritization calls across channels, talent, technology, and vendor partnerships, balancing near-term performance against long-term capability building.
• Lead and develop a team of experienced channel managers as a true player-coach — close enough to the work to challenge assumptions and unblock hard problems, but focused on multiplying impact through people and systems.
• Build new acquisition channels, partnerships, or technology-enabled growth motions — not just optimize the existing mix.
• Stay plugged into the external digital ecosystem — platforms, agencies, AI/martech vendors, startups — to identify opportunities before they're obvious and bring new capability into Chime early.
• Push the organization to rebuild how it works around AI: experimentation, creative production, media buying, and measurement — not just point-solution automation.
• Partner cross-functionally with Media Planning/MMM, Growth Product Marketing, Analytics, Risk, and Finance to align channel strategy to company-level growth and CAC goals.
• Represent Digital Acquisition in senior leadership forums, translating channel performance into business outcomes for Growth LT, EC, and Board-level audiences.

To thrive in this role, you have

• Experience leading a multi-channel digital acquisition or growth organization with meaningful business accountability — not only channel-level metrics.
• A demonstrated record of owning growth, efficiency, and business outcomes.
• Experience managing a significant media portfolio and making prioritization tradeoffs across channels, technology, and vendors.
• A leadership style that blends strategic range with hands-on credibility — comfortable operating as both strategist and player-coach.
• Experience building or scaling teams and developing future leaders.
• Comfort operating in a fast-moving, cross-functional, senior-executive-visible environment.

#LI-Hybrid #LI-AM1

About the Role

Chime is looking for a hands-on engineering leader to guide the Human Agent Tooling team within Trust & Safety. As a Tech Lead Manager, you’ll lead a squad of 3–5 engineers, set the hiring bar, coach and develop talent, and own execution and delivery. You’ll also remain deeply involved in the technical work, writing and shipping production code alongside your team.

The Human Agent Tooling team builds the software Chime’s support agents use to understand member needs, take the right actions, and resolve issues quickly and safely. This includes the agent workspace, case management tools, real-time member context, and access controls. You’ll help modernize this platform and partner closely with Product, Operations, and support agents to make every human support interaction faster, safer, and more effective.

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

• Drive technical design and architectural decisions, while mentoring engineers and fostering cross-functional collaboration
• Lead and contribute to multiple projects simultaneously, balancing ownership of key initiatives with support across broader team efforts
• Build and maintain robust, low-latency APIs and backend services that power our Trust and Safety platforms
• Become the domain expert in our platform architecture, providing technical decisions and solutions to refine our maturing platforms
• Partner with data engineers, analysts, and product managers to ship impactful features that enhance member protection and experience
• Improve platform reliability and performance through thoughtful system architecture, observability practices, and automation
• Evolve our experimentation, policy lifecycle, and ML integration capabilities to support smarter and faster decision-making at scale
• 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

• 5+ years of experience developing software in a production environment at scale
• Prior experience serving as a technical lead for a team and on complex projects—driving architectural decisions, coordinating execution, and aligning cross-functional teams
• Proven experience with Ruby on Rails or comparable frameworks
• Experience with transactional databases and caching systems
• Deep understanding of architectural patterns for large-scale web applications
• Commitment to mentoring engineers and fostering team development
• An appreciation of maintainable and well-tested code
• Curiosity and passion for diving deeply into system architectures and technical challenges
• Experience in fast-paced or early-stage environments is a strong plus

#LI-Onsite #LI-AA1

About the role

Chime is looking for an engineering leader to help manage and guide one of the Trust & Safety engineering teams. Chime’s Trust & Safety org is on a mission to protect our members and fuel durable growth. In practice, that means earning member trust through secure, seamless experiences; preventing fraud and abuse; reducing unnecessary friction; and meeting regulatory obligations while enabling responsible growth.

We're hiring Tech Lead Managers (TLM) for multiple squads in Trust & Safety. TLMs at Chime manage a team of 3-5 engineers: Setting the hiring bar, coaching and developing talent, and driving all formal people management activities. They own execution and delivery for the squad. They stay in the code, authoring and shipping features alongside their team. 

The base salary offered for this role and level of experience will begin at $211,000 and up to $248,000. 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: 

• Manage and develop a squad of 4-5 engineers: Hiring, 1:1s, career coaching, managing for performance
• Own delivery for your squad end to end, from sprint planning and delivery commitments through service SLAs and operational health
• Write and ship code alongside your team, authoring pull requests that land in production
• Be accountable for the squad's technical direction, architecture, and quality bar, either via a tech lead on the squad, or by taking on the tech lead role yourself.
• Use AI coding agents and tooling to raise both your own leverage and your squad's, and establish the practices that make that durable for the team
• Partner with Product and Design on scope, prioritization, and quarterly planning, surfacing technical dependencies and capacity needs early
• Act as the squad's cross-functional point of contact for its technical capabilities and dependency coordination, and carry the "what should we build" conversation if/when a PM isn't dedicated to your squad
• Identify technical debt and advocate for sustainable engineering, staying an active contributor to the codebase
• Ensure quality, performance, and operational health, including a healthy on-call and incident-response culture
• Build growth paths for the engineers on your squad towards the higher IC levels or a future TLM role
• Contribute to broader T&S and Chime engineering initiatives as a member of the engineering leadership team

To thrive in this role, you have:

• 2+ years in people management responsibilities.
• Current, hands-on coding ability and the desire to keep it. You are writing code today and want a role where that continues.
• A track record of using AI-assisted development tools such as Claude Code, Codex, or Cursor to accelerate real delivery, and of getting a team to adopt them with measurable impact on output
• Experience supporting coaching members of your team around project execution, skill development, and career progression.
• Interest in pushing the technology, people, and organization envelope to explore new ways we can deliver amazement to our customers.
• Strong cross-functional collaboration skills, with a track record of partnering closely with Product, Design, and Analytics.
• A fascination in how to make teams and people thrive.
• Enjoyment in learning and diving into the deepest levels of how things work.
• The ability to motivate a team through delivery on aggressive schedules and goals.
• Experience with similar tech: Ruby, React Native, Distributed Systems, AWS services (data, compute) and Service Oriented Architectures.

About the role

Chime's Growth Engineering team builds the member-facing experiences that move our business metrics, and we're scaling fast. We're looking for a full stack engineer who wants to own features end to end: the React and TypeScript interfaces members actually touch, the Rails services and APIs behind them, and the experiments that prove the work paid off. You'll influence architecture, ship across the stack, and maintain the ongoing health of the code.

The base salary offered for this role and level of experience will begin at $164,000 and up to $227,000. 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, refactor and scale consumer product features end to end — from member-facing React/TypeScript interfaces through the services and APIs that power them
• Build strong, resilient APIs and partner with mobile engineers on the contracts behind our React Native app
• Rapidly prototype and launch A/B tests, then use the results to decide what ships, what iterates, and what gets killed
• Own the quality of what you ship end to end — page performance, funnel conversion, accessibility, and the instrumentation that tells you it's working
• Collaborate with product, design, data science, and marketing to understand member pain points and come up with solutions
• Proactively identify opportunities for improving the reliability and scalability of our systems
• Work across the engineering team to improve and uphold high technical standards

To thrive in this role, you have

• 5+ years developing software in a production environment at scale
• Proven experience with a modern front-end framework (React or comparable) and a server-side framework (Ruby on Rails or comparable)
• Comfort with TypeScript and component-driven UI development
• Experience working with transactional databases and caching, and with client-side state and performance
• Experience running experiments — A/B tests, feature flags
• Exposure to architectural patterns of large, high-scale web applications
• Growth or consumer experience as an added plus

 #LI-Onsite #LI-AC2

About the Role

Chime is looking for a seasoned engineering leader to help manage and guide the Data team to drive the company to build a scalable and self-serve data foundation. As a Senior Engineering Manager in the Data team, you will lead the effort to enable Chime to democratize data with stronger governance.

The base salary offered for this role and level of experience will begin at $199,000.00 and up to $275,000.00. 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

• Drive the next generation of FinTech innovation by leading AI-driven, data-centric initiatives that accelerate business growth, improve decision-making, and advance Chime's data platform.
• Partner closely with Analytics, Product, Data Science, and cross-functional stakeholders to deliver high-quality, trusted, and secure data products while serving as a strategic thought partner to the business.
• Lead, mentor, and grow high-performing engineering teams, fostering a culture of technical excellence, collaboration, innovation, and continuous learning.
• Champion innovation and continuous improvement by establishing a clear sense of urgency and direction, setting high expectations for both the team and individual contributors, and driving operational excellence.
• Collaborate across teams to prioritize work, resolve issues, and remove delivery obstacles, ensuring the team remains focused on delivering the highest business impact while maintaining engineering quality and velocity.

To thrive in this role, you have

• 5+ years of experience leading Data Engineering teams.
• Proven experience building scalable, AI-ready data platforms, semantic models, and trusted data products.
• Strong partnership with Product, Analytics, Data Science, and Marketing to deliver business outcomes.
• Experience driving engineering excellence, including data quality, governance, CI/CD, and operational reliability.
• Experience with Growth and Marketing data platforms, including attribution, funnels, and experimentation.
• Experience in Supporting teams to deliver solution on tech stack such as Spark,Snowflake, Data Warehouse, Data Lake, Key-Value store, dbt

#LI-WW1 #LI-Onsite

About the role

We’re hiring a Principal Product Designer to help shape the future of financial peace of mind for millions. In this role, you will lead the design vision for high-impact, member-facing experiences that set a new standard in consumer fintech.

You bring a strong strategic mindset paired with exceptional craft. You’re equally comfortable defining long-term product vision and executing polished, intuitive experiences that improve members’ financial lives.

You will play a key role in shaping the quality and direction of design within the Chime app—advocating for thoughtful, member-centered solutions and partnering closely with cross-functional teams to deliver meaningful impact.

This is a high-ownership role for a senior design leader who thrives in ambiguity, drives clarity through strategy and vision, and leads through influence and collaboration.

The base salary offered for this role and level of experience will begin at $222,000 and up to $290,000. 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

• Set the design vision:  Lead the product and design vision for complex, cross-functional initiatives, defining strategic direction and ensuring experiences align with both member needs and business goals.
• Elevate design quality at scale:  Raise the bar for design execution across the organization by championing strong craft, thoughtful interaction design, and scalable visual systems.
• Drive cross-functional strategy:  Partner closely with Product, Engineering, Research, Marketing, and Analytics to define holistic, user-centered strategies that drive measurable outcomes.
• Leverage AI-driven workflows:  Apply AI-powered tools within the design process to accelerate ideation, exploration, and prototyping while expanding creative possibilities.
• Simplify complex problems:  Translate ambiguous product challenges into clear, elegant, and accessible design solutions.
• Lead through influence:  Provide design leadership and mentorship across teams, guiding projects and elevating the work of others without formal people management.

To thrive in this role, you have

• A strategic, high-impact portfolio:  A portfolio demonstrating strong product thinking, clear design strategy, and excellent craft across complex digital experiences.
• Consumer product experience:  A track record of designing and shipping impactful consumer products at scale across mobile and web.
• Strong craft and prototyping skills:  Expertise in tools like Figma and modern prototyping workflows, including the effective use of AI-powered design tools.
• Design systems expertise:  Experience working with and evolving design systems to ensure consistency and scalability across products.
• High ownership and autonomy:  The ability to take a product vision from concept through execution while maintaining high design quality.
• Exceptional communication:  Strong storytelling and communication skills that help align teams, influence stakeholders, and bring ideas to life.
• Member obsession:  A deep commitment to creating intuitive, thoughtful experiences that genuinely improve people's financial lives.

#LI-TP1 #LI-Onsite

About the Role

We're hiring a Program Manager to help shape how Chime delivers a high-quality, high-trust experience for our members. This role will focus on product, policy, and process excellence across high-trust member-facing experiences across Chime's products and services. As our Program Manager, you'll uncover friction across the member and agent journey, turn data into actionable insights, and drive scalable operational improvements. You'll partner closely with Product, Risk, and other key business functions to ensure new features and policies are launched in a way that protects our members and empowers our agents. This is a high-visibility role with direct impact on CSAT, resolution rates, contact reduction, operational efficiency, and member trust.

The base salary offered for this role and level of experience will begin at $116,000.00 and up to $160,000.00. 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 maintain process documentation (SOPs, journey maps, knowledge base content)
• Drive operational excellence by streamlining and automating agent functions
• Identify friction points across the member and agent journey and implement scalable solutions
• Influence cross-functional roadmaps using data-driven insights
• Partner with various cross-functional teams such as Product, Legal, Risk, Vendor Ops, Quality, and Learning to optimize agent performance
• Ensure operational readiness and assess support impact for new features and policy changes
• Lead initiatives that measurably improve CSAT, resolution rates, and contact rate

To thrive in this role, you have

• 5+ years leading end-to-end programs in Customer Experience, Operations, or Product
• Experience operating in regulated environments with strong compliance awareness
• Demonstrated cross-functional partnership across Product, Compliance, Risk, and Ops
• Strong analytical skills and experience using Looker, Tableau, Power BI, or similar tools
• Proven ability to break down complex problems and influence roadmap direction
• Experience building scalable processes that improved member experience metrics
• Strong executive communication and stakeholder influence skills

Nice-to-have

• PMP certification
• MBA
• Consulting background
• Regulatory/compliance domain expertise

#LI-AM1 #LI-Remote

About the Role

We are hiring for a Sr. Product Marketing Manager to lead go-to-market for our Trust and Safety portfolio. Millions of people trust Chime with their financial lives, and you’ll shape how we talk about the products that keep them safe, turning security capabilities members rarely think about into protections they understand, adopt and value. This is an individual contributor role reporting to the Head of Product Marketing, Lending, Trust & Safety

You’ll partner closely with Product, Risk, Legal, and Brand to shape product narratives, influence roadmap decisions, and drive responsible adoption. This role sits at the intersection of growth and financial responsibility, requiring strong strategic thinking, cross-functional leadership, and the ability to balance business impact with member trust and regulatory considerations.

The base salary offered for this role and level of experience will begin at $150,000.00 and up to $208,000.00. 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 execute go-to-market strategy for Chime’s Trust & Safety suite, from launch through iteration and scale. Establish best practices and frameworks for repeatable, high-quality product launches
• Develop clear, differentiated positioning and messaging that drives customer understanding and adoption
• Drive cross-functional alignment across Product, Risk, Brand, Analytics and Legal to ensure cohesive execution
• Influence product strategy and roadmap through customer insights, market understanding, and competitive analysis
• Own business outcomes: Improve product adoption, engagement, and retention through data-informed marketing strategies

To thrive in this role, you have

• 6–10+ years of experience in product marketing with at least 3+ years of regulated financial services experience
• Proven track record of owning end-to-end go-to-market strategy for products or features
• Strong grounding in product marketing fundamentals: audience insights, competitive intelligence, targeting, positioning, value propositions, messaging, acquisition / engagement plan development
• Experience partnering cross-functionally with Product, Growth, Risk, Brand, Analytics, Legal and Compliance
• A demonstrated ability to lead through influence and drive cross-functional alignment and execution  
• The ability to translate complex product capabilities into clear, compelling customer narratives
• A strong analytical mindset with experience using data to inform strategy and measure impact

#LI-Onsite #LI-AM1

About the role

We're hiring for a Senior Manager, Global Workforce Planning & Transformation to help scale and optimize workforce planning across our global Customer Operations organization. Delivering exceptional member experiences requires having the right people in the right place at the right time, and this role sits at the center of making that happen.

As our Senior Manager, Global Workforce Management, you'll lead a team responsible for forecasting, capacity planning, scheduling, and workforce optimization for an operation supporting more than 4,000 agents globally. You'll partner closely with Operations, Finance, Vendor Management, Analytics, and Technology teams to improve operational performance while helping shape the future of workforce management through AI, automation, and continuous innovation.

The base salary offered for this role and level of experience will begin at $170,000.00 and up to $235,000.00. 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

• Lead forecasting, capacity planning, scheduling, and workforce optimization activities across a large-scale global customer operations organization supporting more than 4,000 agents.
• Develop staffing plans that align member demand, service level objectives, employee experience, and financial goals.
• Partner with Operations, Finance, Vendor Management, and Analytics teams to ensure workforce strategies support business priorities and long-term growth.
• Monitor workforce performance, identify emerging risks and opportunities, and recommend staffing adjustments that improve operational outcomes.
• Establish and enhance processes that improve forecast accuracy, staffing efficiency, schedule effectiveness, and workforce performance.
• Champion AI, automation, and emerging workforce technologies to improve scalability, forecasting precision, and operational decision-making.
• Manage, coach, and develop a high-performing workforce management team while fostering a culture of accountability, collaboration, inclusion, and continuous improvement.

To thrive in this role, you have

• 7+ years of workforce management experience supporting large-scale customer operations environments.
• 3+ years of people leadership experience with a demonstrated track record of coaching, developing, and retaining high-performing teams.
• Deep expertise in forecasting, capacity planning, scheduling, real-time management, and workforce analytics that drive measurable business outcomes.
• Experience supporting complex operations with thousands of agents across multiple geographies, channels, and outsourced vendor partners.
• Strong analytical skills and experience translating workforce data into actionable recommendations for operational and executive stakeholders.
• Experience driving process improvements, operational efficiencies, and cross-functional initiatives that improve service delivery and business performance.
• Passion for leveraging AI, automation, predictive analytics, and workforce technologies to modernize workforce management practices and improve decision-making.

#LI-Remote #LI-AM1

About the Role

The Data Governance function is pivotal in ensuring the integrity, trustworthiness, and effective management of Chime’s data assets. Our mission is to establish and operationalize data governance frameworks that not only meet compliance requirements, but actively enable high-confidence decision making across the company.  As a Data Governance Engineer, you will develop and implement policies and tools for data quality, developer enablement, certified datasets, and governance automation - with a sharp focus on building trust signals and scorecards that help data consumers quickly understand and act on the reliability of Chime's data.

This is a hands-on engineering role. You will write production-quality code to build automation for governance and data quality processes using Terraform, Python (or similar languages), and contribute to internal libraries, frameworks, and orchestration workflows that enable scalable governance.

You will partner closely with data engineering, analytics, product engineering, and compliance teams to:

• Support Chime in data compliance and risk reduction initiatives
• Establish data quality as a product discipline
• Build trust signals and scorecards that make data reliability transparent and data context valuable for a variety of use cases
• Implement governance workflows upstream, where data are created
• Ensure data context and metadata are sufficient for downstream use cases, including AI applications

You will be involved in reviews of technical designs and implementation plans to provide guidance on appropriate development from a data governance and compliance perspective, acting as a trusted advisor to teams innovating at Chime. You will also be a strong advocate and leader for Artificial Intelligence tooling and adoption at Chime, bringing curiosity and a practical eye for where AI creates leverage in data governance workflows. This role is 40% strategic influence, 40% development and building, and 20% stakeholder management and support.

The base salary for this role and level of experience will begin at $160,000.00 and go up to $221,000.00. 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

• Build Data Trust Infrastructure: Design and implement trust scorecards, trust signals, and quality indicators that give data consumers real-time visibility into data reliability - and partner with producers upstream to embed quality checks at the source before issues propagate downstream.
• Drive Data Quality Strategy: Own and evolve Chime's data quality strategy end-to-end. Design and partner with engineering teams to implement data quality frameworks and monitoring systems that proactively identify, surface, and resolve data issues at scale.
• Develop and Implement Data Governance Policies: Create and enforce policies for data classification, quality, and lifecycle management, ensuring data integrity and compliance with SOX and other applicable regulatory standards.
• Enable the Data Catalog: Collaborate on the development, adoption, and enrichment of Chime's data catalog - improving discoverability, context richness (lineage, ownership, definitions, usage guidance), and the overall experience of working with Chime's data.
• Automate Governance Processes: Develop and deploy automation solutions for data governance tasks, such as metadata management, data lineage tracking, access controls, and quality remediation workflows.
• Champion SOX Compliance: Play an active role in Chime's SOX compliance efforts, ensuring that data governance practices, controls, and audit trails meet regulatory requirements and are well-documented.
• Lead AI Adoption for Data Governance: Serve as a leader and advocate for AI tooling within the data governance space - identifying opportunities to apply AI to automate governance workflows, improve data context, enhance trust scoring, and accelerate adoption of governance best practices across engineering teams.
• Collaborate Across Teams: Work closely with data engineers, analysts, and compliance officers to align data governance initiatives with business needs and regulatory requirements.

To thrive in this role, you have

• Experience: 5+ years in data engineering, data governance, or a related field, with hands-on experience in data classification, cataloging, quality assurance, and trust frameworks. Engineering ability to design and implement data governance and quality processes is critical to success.
• Trust & Quality Expertise: Demonstrated experience building data trust signals, quality scorecards, or similar frameworks that make data reliability visible and actionable for both engineers and non-technical stakeholders.
• Programming Experience: Proficiency in Python or a comparable programming language, and experience building scalable data tooling or automation pipelines.
• Curiosity and Relentlessness: You are genuinely curious about data, technology, and the problems that sit at the intersection of the two. You don't let ambiguity stop you - you dig in, ask the right questions, and keep pushing until you've found the right answer or built the right solution. You bring energy and persistence to hard problems and don't need external pressure to drive yourself forward.
• Composure in Complexity: Data governance at a fintech means navigating competing priorities, regulatory constraints, sprawling data ecosystems, and stakeholders with different mental models of "good." You thrive in this environment rather than shrinking from it - you can hold complexity without getting overwhelmed, break it into manageable pieces, and make steady progress without waiting for perfect conditions.
• Exceptional Communication: You are a terrific communicator in both verbal and written form. You can write a crisp one-pager that earns buy-in from a skeptical audience, run a meeting that ends with clarity instead of confusion, and translate deeply technical concepts into plain language that moves people to action. You treat communication as a core part of the job, not an afterthought.
• Product Management Mindset: You think like a product manager as much as an engineer. You ask "who is this for and what problem does it solve?" before writing a line of code. You prioritize ruthlessly, define success before you start building, and care about adoption and outcomes - not just delivery. You treat your internal stakeholders as customers and design solutions with their experience in mind.
• AI Curiosity and Advocacy: Genuine curiosity about AI and its applications in the data governance space, with an appetite for identifying and piloting new tools and workflows that improve the experience of working with Chime's data.
• Technical Proficiency: Strong knowledge of data governance tools and platforms, and experience with cloud data warehouses like Snowflake. Experience with data catalog platforms and driving adoption across engineering organizations is a strong plus.
• Bonus: Compliance Knowledge: Familiarity with SOX, CCPA, and other data privacy and financial regulations, and ability to apply technical skills to governance practices that meet audit and compliance requirements.

#LI-Onsite #LI-GC1

About the role

We are hiring a Sr. Data Scientist, Referrals to help us understand how our referral investment drives member acquisition and long-term value. Unlike traditional paid channels, referrals operate through member-to-member advocacy, dual-sided incentives, and viral loops, requiring a distinct measurement lens that accounts for organic bleed, incentive sensitivity, and long-term referred member behavior. 

As our Sr. Data Scientist, Referrals, you will partner closely with the Referrals team to measure, optimize, and scale spend across the referral channel. You will bring expertise in campaign sizing, operational planning, and channel forecasting, helping the team plan confidently and allocate resources effectively. You will bring rigor to how we evaluate incrementality, attribution, and efficiency, moving us to a defensible view of what our referral dollars actually deliver.

The base salary offered for this role and level of experience will begin at $133,000 and up to $185,000. 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

• Partner with Referrals to define KPIs and measurement frameworks across campaigns and audiences
• Size and scope referral campaigns in partnership with marketing, product and finance: translating acquisition goals into expected spend, volume, and ROI projections ahead of launch, and supporting operational planning for campaign execution
• Build and maintain forecasting models for the referral channel, projecting member acquisition volume, cost, and downstream LTV under different spend scenarios, seasonality assumptions, and campaign configurations
• Develop attribution approaches that reconcile platform-reported performance with observed member behavior, accounting for the complexity of dual-sided referral incentives and organic word-of-mouth overlap.
• Design and analyze geo experiments, holdouts, and platform lift studies to quantify incremental lift and separate true impact from correlation
• Build and maintain dashboards that give clear visibility into spend, CAC, funnel conversion, and downstream LTV by campaign
• Collaborate with Data Engineering to improve tracking, data quality, and the pipelines behind spend, click, and conversion data
• Translate complex analyses into clear, actionable recommendations for cross-functional leadership

To thrive in this role, you have

• 4+ years of experience in referral programs and in marketing, growth, or product analytics. Experience in FinTech preferred.
• Experience with marketing campaign planning and sizing: comfortable working from business goals backward to estimate required spend, expected member volumes, and unit economics, with an understanding of how campaigns are operationally structured and executed
• Forecasting experience for a marketing or growth channel: building models that project forward-looking performance and communicating forecast uncertainty and scenario sensitivity to cross-functional stakeholders
• Strong experience designing and evaluating incrementality tests:  geo experiments, holdouts, and platform lift studies
• Working knowledge of causal inference methods including experiment design, holdout analysis, and techniques for isolating organic from incentive driven behavior
• Advanced SQL skills and proficiency in Python or R for analysis and modeling
• Experience building dashboards (e.g., Looker, Tableau, or similar BI tools) that drive stakeholder decision-making
• A strong understanding of attribution concepts and the challenges of measurement in a privacy-constrained, cross-device environment
• The ability to communicate complex findings clearly to both technical and non-technical partners and influence decisions with data

#LI-Hybrid #LI-AM1

About the Role

We are hiring for a Sr. Product Marketing Manager for Chime’s Lending product ecosystem. In this role, you’ll own how we bring to market and position Chime’s growing personal loan product to deliver clear, compelling value for our members. This is an individual contributor role reporting to the Head of Product Marketing, Lending.

You’ll partner closely with Product, Risk, Legal, and Growth to shape product narrative, influence roadmap decisions, and drive responsible adoption. This role sits at the intersection of growth and financial responsibility, requiring strong strategic thinking, cross-functional leadership, and the ability to balance business impact with member trust and regulatory considerations.

The base salary offered for this role and level of experience will begin at $150,000.00 and up to $208,000.00. 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 execute go-to-market strategy for Chime’s personal loan product, from launch through iteration and scale. Establish best practices and frameworks for repeatable, high-quality product launches
• Develop clear, differentiated positioning and messaging that drives customer understanding and adoption
• Drive cross-functional alignment across Product, Growth, Brand, and Analytics to ensure cohesive execution
• Influence product strategy and roadmap through customer insights, market understanding, and competitive analysis
• Own business outcomes: Improve product adoption, engagement, and retention through data-informed marketing strategies
• Partner with Growth and Lifecycle teams to ensure effective multichannel execution and performance optimization

To thrive in this role, you have

• 6–10+ years of experience in product marketing with at least 3+ years of consumer lending or regulated financial services experience, including exposure to credit risk, underwriting and loan servicing
• A track record of owning end-to-end go-to-market strategy - segmentation, funnel optimization and measurable business outcomes in a performance-driven environment
• Strong grounding in product marketing fundamentals: audience insights, competitive intelligence, targeting, positioning, value propositions, messaging, acquisition / engagement plan development
• Experience partnering cross-functionally with Product, Growth, Credit Risk, Brand, Analytics, Legal and Compliance
• A demonstrated ability to lead through influence and drive cross-functional alignment and execution  
• The ability to translate complex product capabilities into clear, compelling customer narratives
• A strong analytical mindset with experience using data to inform strategy and measure impact

#LI-Onsite #LI-AM1

About the role

We're looking for a Sr. Growth Product Data Scientist to partner with our Growth Product and Engineering teams to drive measurable impact across the member journey — from acquisition to conversion through long-term retention. You'll turn data into the decisions that shape how millions of members discover, direct deposit, and get value from Chime.

This role sits at the intersection of product, data, and experimentation. You'll own funnels end-to-end, design and analyze A/B tests, and translate ambiguous business questions into clear, prioritized recommendations that ship.

In this role, you will work closely with product managers, design, engineers, product & lifecycle marketing, and operational stakeholders to foster a data-driven product development culture, advise our product roadmaps, and build a deep understanding of member behavior.

The base salary offered for this role and level of experience will begin at $133,000 and go up to $185,000. 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

• Operate as an independent thought partner to Product, Engineering, and Design — helping shape strategy, not just measure it. You’ll proactively identify opportunities and risks, framing the right questions before they’re even asked.
• Work with the team to develop a rich program of experimentation and A/B testing to improve member product experiences, including metric creation, experiment design, power analysis, and analysis of experiment results.
• Drive data-informed decision making within Growth org by equipping PMs and engineers with self-service analytics tools, and conducting ad hoc analyses and causal studies for the team. 
• Use advanced statistical methods for causal inference, as well as time-series and other forecasting techniques, to solve product questions for the team. Occasionally apply machine learning methods for problems such as customer segmentation. 
• Build metrics to measure user funnels, product engagement, and retention, and use those metrics to help brainstorm potential product experiments to drive improvements in them.
• Help the team establish high-quality eventing to allow the tracking of detailed user behaviors along customer journeys through Chime’s mobile app.
• Develop and evolve team metrics that define what “good” looks like — ensuring that we optimize for long-term member and business value – and build operational dashboards to track business and product health.
• Translate complex analytical findings into compelling, executive-ready narratives that inspire action and alignment across teams.
• Develop robust data pipelines in dbt for your team, and continuously improve the quality and accessibility of customer data.

To thrive in this role, you have

• 5-7 years of relevant hands-on experience in product or business analytics roles (FinTech a plus).
• Expert-level SQL ability and proficiency in Python.
• Broad knowledge of applied statistics, experimental design, and analysis of A/B tests. Demonstrated experience with machine learning techniques for applied business use cases.
• Demonstrated experience acting as a trusted advisor to senior cross-functional partners — influencing decisions through both data and judgment.
• A strong bias toward proactive problem discovery. You don’t wait for tickets — you explore data, spot patterns, and bring forward opportunities that meaningfully change product direction.
• Strong business intuition and judgment, and experience applying prioritization frameworks to your work (e.g., RICE, Eisenhower matrix).
• Exceptional data storytelling and data visualization ability. Experience with Hex and Looker 
• Familiarity with building data pipelines using tools like dbt or Airflow.
• Familiarity with AI coding tools (such as Claude Code and Cursor).

#LI-Hybrid #LI-AM1

About the role

Chime is looking for a Director of Engineering to lead our AI & App Experience (AAX) organization — the team building the next generation of the Chime member experience. AAX owns Jade, Chime’s AI-powered financial assistant, our AI platform infrastructure as well as the core app experiences and shared design system. 

In this role, you’ll own the multi-quarter strategy for AAX engineering, translating company priorities into scalable plans across these teams. You’ll build and lead a bench of TLM (tech leader managers) and senior technical staff, set the technical bar for how Chime builds AI-native, member-facing products, and partner with Product, Design, Data Science, and our Risk team to shape where AAX invests next. 

This is a role for a leader who is equally comfortable setting long-range technical vision and staying close enough to the details to guide hard architectural calls — someone who has helped build or scale AI/LLM-powered consumer products and knows how to grow the engineering leaders around them.

The base salary offered for this role and level of experience will begin at $269,000.00 and up to $373,000.00. 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

• In partnership with our product team you will own the multi-quarter strategy for AAX engineering, translating company and product priorities into our roadmap plans across consumer facing AI experiences, AI Platform, App Journey, and Design Systems.
• Build, lead, and hire a high-caliber leadership bench of highly technical leaders/IC’s as well as building a team culture that exemplifies a builder mindset.
• Partners with your team to set technical direction for the org, driving architectural alignment across our consumer facing AI experiences, AI Platform, App Journey, and Design System.  
• You will continue to drive our AI-native engineering culture: setting the bar for how LLM-powered features get shipped safely at scale.
• Own engineering’s strategic role in product direction, partnering with Product, Design, Data Science, and Risk leadership to shape roadmaps, challenge assumptions, and integrate platform and member value into long-range plans
• Represent AAX and engineering more broadly in cross-functional and executive forums, connecting the org’s work to company-wide strategy and outcomes
• Cultivate a  high-performing culture across the org, modeling Chime’s values and ensuring strong talent, performance, and career development practices on every team
• Ensure the org maintains strong operational practices — on-call, monitoring, and incident response — for every service/experience the team owns
• Contribute to overall engineering initiatives as a member of Chime’s engineering leadership team

To thrive in this role, you have

• 10+ years of software engineering experience, including 5+ years managing managers or leading multi-team engineering organizations
• A track record of building and scaling AI/LLM-powered consumer products, with the technical depth to guide future investments and technical direction.
• Experience hiring, developing, and retaining engineering leaders (TLM’s and Staff+ ICs), and building leadership pipelines and succession plans
• Strong technical fundamentals across relevant parts of the stack (e.g., React Native, Python or Ruby on Rails, GraphQL, distributed systems) and the judgment to know where to go deep
• Demonstrated ability to translate company and product strategy into multi-quarter engineering plans, and to adapt org design as priorities and scale evolve
• Excellent executive communication skills — you can craft a compelling narrative that connects org strategy to business outcomes for senior leaders and cross-functional partners
• Experience partnering closely with Product, Design, Data Science, and Risk/Compliance functions in a regulated or high-trust environment (fintech experience a strong plus)
• AI-native fluency and a genuine interest in AI-native ways of working, with a track record of fostering that practice across teams rather than treating it as someone else’s job
• The desire to make a huge difference at a growing company, and the ability to motivate teams through delivery on aggressive schedules and goals

#LI-JC1 #LI-Onsite

About the role

We’re looking for a strong engineer who has a passion for building scalable systems and who can help drive and innovate on our communication platform at Chime! In this role, you would be developing fullstack, from building out our backend infrastructure, to defining the messaging interface on our apps for our members. As a foundational member of this team, you would drive key architectural changes to the layer that powers messaging for millions of members.

The Communication Platform team aims to provide a high quality platform to help our members work towards better financial health, while accelerating development velocity within Chime. As a small and nimble team, each person has a profound impact on the experience of each of our millions of users.

The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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, release, and scale changes to our mobile and backend architecture
• Collaborate effectively with the cross functional team to solve complex problems within the team domain
• Develop thoroughly tested code and conduct quality assurance on all new code
• Work in a team as well as independently to deliver on goals to accelerate development velocity while delivering the best experience to our members

To thrive in this role, you have

• A minimum of 3 years experience of fullstack development
• Experience in backend development and frameworks (Bonus: GraphQL, Ruby)
• Experience in mobile development and frameworks (Bonus: React Native)
• Experience working cross functionally and collaborating well with team members
• Understanding of architectural patterns of large production services built for scale. Ability to safely make changes without disrupting and introducing regressions to millions of users.
• A passion for learning and sharing knowledge alongside teammates, with self-motivation and keen attention to detail
• A strong empathy for the users of the products you create

#LI-Onsite #LI-AC2 

About the role

We're hiring a Product Designer to lead the design of some of Chime's most important member experiences across Growth, Spending, or Lending. This is a highly influential individual contributor role for a designer who combines exceptional visual craft with systems thinking and product strategy. You'll help define not just how our products look and feel, but what we build and why—creating experiences that millions of members rely on to make financial progress.

You'll partner closely with Product, Engineering, Research, Data, and Content Design to solve complex customer problems, shape product direction, and deliver elegant, intuitive experiences from concept through launch. If you're energized by ambiguity, obsessed with craft, and excited to raise the quality bar across an organization, we'd love to meet you.

The base salary offered for this role and level of experience will begin at $174,000 and up to $245,000. 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 the end-to-end design vision and execution for complex, high-impact product initiatives across Growth, Spending, or Lending.
• Shape product strategy alongside Product, Engineering, Research, and Data partners, helping define what we build—not just how it looks.
• Transform ambiguous opportunities into elegant, intuitive experiences that simplify financial decision-making for millions of members.
• Design polished, production-ready user experiences across mobile and web with exceptional attention to visual craft, interaction design, accessibility, and usability.
• Use customer research, experimentation, analytics, and sound design judgment to make informed decisions and continuously improve member outcomes.
• Contribute to the evolution of Chime's design system while establishing new patterns that scale across products.
• Raise the quality bar for design through thoughtful critique, collaboration, mentorship, and a relentless commitment to craft.

To thrive in this role, you have

• A portfolio that demonstrates exceptional visual craft, polished interaction design, and end-to-end product thinking across shipped consumer products. Visual excellence is a core requirement for this role.
• Extensive experience designing and shipping consumer-facing digital products for mobile and web, with ownership of complex product areas from strategy through execution.
• A track record of influencing product direction through close partnership with cross-functional leaders across Product, Engineering, Research, and Data.
• Deep expertise with Figma and modern prototyping tools, with a strong understanding of design systems and scalable interaction patterns.
• Experience using customer research, experimentation, and product metrics to inform design decisions and iterate on solutions.
• Strong systems thinking with the ability to balance member needs, business objectives, and technical constraints in complex environments.
• Exceptional communication and storytelling skills, with the ability to clearly articulate design rationale and influence decisions across a wide range of stakeholders.

About the Role

We are hiring a Chief of Staff / Head of Legal Operations to join our growing Legal team. This role sits at the intersection of executive strategy and legal department operations, driving organizational effectiveness at the highest level while building and running the operational backbone of the legal function. The ideal candidate is equally comfortable advising leadership on priorities and rolling up their sleeves to optimize legal workflows, vendor relationships and budgets.

The base salary offered for this role and level of experience will begin at $148,000.00 and up to $205,000.00. 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

• Serve as a trusted advisor and thought partner to the legal leadership team, ensuring alignment across strategic priorities
• Drive cross-functional initiatives from planning through execution, holding stakeholders accountable to deadline and deliverables
• Prepare materials for team meetings, leadership meetings and communications on behalf of the team
• Manage the cadence of meetings, offsites and strategic planning process
• Develop and track KPIs and metrics to measure legal department performance and demonstrate value to the business
• Design, implement, and continuously improve legal department processes, workflows, and systems (e.g., matter management, contract lifecycle management, e-billing)
• Own the legal department's budget, including forecasting, spend tracking, and outside counsel fee management
• Manage relationships with outside counsel and legal vendors, including negotiating rates and evaluating performance
• Manage the law enforcement and government response team, overseeing intake, triage, and response to subpoenas, warrants, and other government or law enforcement requests
• Support legal team hiring, onboarding, and resource planning
• Partner with legal, compliance, and security teams to escalate complex or sensitive requests.

To thrive in this role, you have

• 10+ years of experience in a combination of chief of staff, legal operations, management consulting, or law firm/in-house legal roles
• Ability to work with and manage team members at all levels while remaining
• proactive, resourceful, and efficient, with a high level of professionalism, collaboration and discretion
• Strong financial acumen, including budget management and vendor negotiation experience
• Strong familiarity with legal technology platforms (CLM, e-billing, matter management systems)
• Experience managing law enforcement or government request response processes (e.g., subpoenas, warrants, regulatory inquiries) preferred
• Exceptional communication skills, with the ability to synthesize complex information for executive audiences
• High degree of discretion and sound judgment in handling sensitive and confidential information
• Demonstrated ability to operate independently, prioritize ruthlessly, and drive results in ambiguous environments
  
  

#LI-Onsite #LI-BE1

About the role

As a Software Engineer on the AI Enablement team, you will contribute to the internal platforms, primitives, and guardrails that make AI a trusted co-pilot for employees across Chime.
You'll work on systems like Archimedes, Bosun, and easyRAG that power internal AI assistants, developer workflows, and retrieval-backed applications. These platforms make it easier for teams across the company to build, adopt, and scale LLM-powered tools safely and effectively.

This team defines Chime's golden paths for AI: opinionated but flexible patterns that help teams move quickly while maintaining safety, reliability, cost control, and governance. In this role, you'll build on and extend these patterns — shipping real features on production AI platforms while developing your depth in AI-specific engineering practices.

You'll collaborate with Platform Engineering, Security, Risk, Legal, and product teams to build scalable, well-governed systems that support internal AI use cases from early prototyping through production adoption.

The base salary offered for this role and level of experience will begin at $133,000.00  and up to $184,000.00. 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

• Contribute to and extend internal AI platforms such as Archimedes, Bosun, and easyRAG, helping teams develop and scale LLM-powered applications and workflows
• Build reusable platform capabilities such as APIs, SDKs, templates, and shared services that make it easier to develop safe, high-quality AI-powered tools
• Prototype and productionize new AI capabilities alongside senior engineers, turning successful patterns into durable platform features
• Apply Chime's golden path patterns for LLM usage, and help refine them as you deepen familiarity with the systems
• Build features that let teams launch AI-powered assistants and workflows in a standardized, observable, and governed way
• Learn and apply evaluation, observability, and cost-management practices across AI systems — including quality, latency, safety, and spend
• Partner with Security, Risk, and Legal to implement guardrails for responsible AI development and usage
• Collaborate with engineers across Chime to embed AI into internal tools, workflows, and employee experiences

To thrive in this role, you have

• Experience as a software engineer with a track record of shipping production-quality features in a distributed system or platform environment
• Hands-on experience working with LLMs or ML services, or strong curiosity and a demonstrated ability to ramp quickly into AI-specific tooling
• Solid coding skills in at least one of Python, Go, or TypeScript/JavaScript, with comfort working across services, CLIs, and internal tooling
• An emerging platform mindset: you think about reuse and building for more than one consumer, not just solving the immediate problem
• Familiarity with — or eagerness to learn — AI-specific engineering concerns such as evaluation, prompt and version management, observability, cost control, safety, and data privacy
• Clear written and verbal communication skills, with the ability to explain technical tradeoffs to teammates and cross-functional partners

#LI-Onsite #LI-WW1

About the role

We’re hiring a Senior Lifecycle Marketing Manager to join our Lifecycle & CRM Marketing team and shape how Chime engages, retains, and grows members throughout their lifecycle. You’ll own the strategy behind complex, high-impact programs across email, push, in-app, and SMS, connecting member experiences to outcomes such as primacy, retention, product attach, ARPAM, and LTV. You’ll operate with a high degree of independence, lead through ambiguity, and know when to escalate while influencing decisions across Product, Growth, Product Marketing, Creative, Data Science, and Analytics. You’ll also help the Lifecycle team develop stronger ways of working and contribute to lifecycle innovation through data, AI, automation, and personalized cross-channel journeys.

The base salary offered for this role and level of experience will begin at $150,000 and up to $208,000. 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 the lifecycle strategy for a complex, high-impact area of the business, setting a clear direction tied to member and business outcomes.

• Design and evolve connected member journeys across email, push, in-app, and SMS as member behavior, business priorities, and available data change.

• Develop segmentation and targeting strategies with Data Science to deliver more personalized, behavior-based programs.

• Set the testing agenda, identify the most valuable questions to answer, run rigorous experiments, and translate findings into strategy.

• Lead cross-functional decisions with Product, Growth, Product Marketing, Creative, Data Science, and Analytics, influencing lifecycle processes and capabilities beyond your immediate work.

• Use AI tools and automation as a core part of how you work, helping the team move toward more automated and personalized member journeys.

• Own the outcomes for your area, connecting lifecycle work to primacy, retention, product attach, ARPAM, and LTV while raising the quality of strategy and execution around you.

To thrive in this role, you have

• 6–8+ years of experience in lifecycle, integrated, or retention marketing, including leading complex, cross-functional programs that delivered measurable results.

• Strong data fluency and experience using analytics and AI-enabled tools such as Hex, Looker, or Statsig to answer questions, develop strategy, and recognize when further investigation is needed.

• Experience incorporating AI and automation into your day-to-day work, along with a clear point of view on how lifecycle marketing is evolving.

• Strong strategic judgment across member journeys, segmentation, targeting, channel orchestration, and testing.

• The ability to lead cross-functional conversations, influence senior partners, navigate ambiguity, operate independently, and recognize when escalation is appropriate.

• Deep member obsession and the judgment to balance member experience with business needs in high-stakes decisions.

• It’s a plus if you have hands-on experience with a CRM or marketing automation platform such as Braze, Iterable, or Klaviyo; have owned a lifecycle domain such as activation, retention, or monetization end to end; or have designed automation- or agent-driven journeys.

#LI-AM1 #LI-Hybrid

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 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.

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. 

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.

In this role, you can expect to

• Independently own and deliver features end-to-end
• Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
• Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
• Collaborate with cross functional teams to understand member pain points and come up with solutions
• Proactively identify opportunities for improving the reliability and scalability of our systems
• Work across the engineering team to improve and uphold high technical standards
• Grow into owning larger components of the system over time

To thrive in this role, you have

• 3+ years building and operating production software at scale
• Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
• Strong grasp of relational databases and caching, including safe schema changes/migrations
• Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
• Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
• Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
• Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
• Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)
• Start-up experience a plus

#LI-AC2 #LI-Hybrid

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.

The base salary offered for this role and level of experience will begin at $164,000 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. 

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.

Grow your technical leadership

At L5, you’ll be expected to do more than deliver strong execution. You’ll lead through ambiguity, drive alignment across teams, shape architecture and engineering patterns, and improve how the org operates over time. This is a strong role for engineers who want to expand their influence and prepare for even larger technical scope.

In this role, you can expect to

• Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems
• Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync
• Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious
• Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse
• Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases
• Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending
• Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions
• Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries
• Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices
• Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org
• Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes over time

To thrive in this role, you have

• 8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end
• Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production
• Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
• Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability
• A track record of leading complex projects that span multiple teams, systems, or business workflows
• Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor matter deeply
• A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward without waiting for perfect structure
• Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams in a low-ego, effective way
• A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes
• Experience mentoring engineers and helping teams raise the bar on design quality, testing, operational excellence, and engineering ownership
• Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time

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

#LI-AC2 #LI-Hybrid

About the role

We’re hiring a Lead Technical Recruiter to help hire exceptional engineers at Chime. In this role, you’ll work closely with engineering leaders and hiring teams to run thoughtful, high-quality searches and deliver a strong candidate experience from first conversation through close. You’ll own the full recruiting lifecycle—from sourcing through offer—and help ensure our hiring processes run smoothly and efficiently as we continue building the team.

The base salary offered for this role and level of experience will begin at $130,000.00 and up to $180,000.00. 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 full-cycle recruiting for technical roles from sourcing through offer acceptance
• Deliver a thoughtful and high-quality candidate experience throughout the hiring process
• Build strong technical talent pipelines through proactive sourcing and outreach
• Work closely with hiring teams to run structured, efficient interview processes
• Track pipeline health and recruiting metrics to ensure consistent progress across searches
• Partner cross-functionally with recruiting and People team members—including recruiting coordinators, sourcers, and people partners—to support smooth and effective hiring processes
• Identify opportunities to improve recruiting workflows and experiment with emerging tools, including AI-enabled recruiting technology

To thrive in this role, you have

• 7+ years of full-cycle technical recruiting experience
• Experience recruiting for engineering or other technical roles
• Ability to own searches end-to-end including sourcing, screening, and closing
• Strong understanding of technical terminology, languages, and engineering stacks
• Experience sourcing and engaging technical talent through multiple channels
• Strong communication and candidate management skills
• Curiosity about emerging recruiting technologies, including experience experimenting with AI recruiting tools

#LI-Onsite #LI-BE1

About the Role

Chime is looking for an Investor Relations Associate to join our IR team at a pivotal moment in the company's public market journey. This role sits at the intersection of finance, communications, and strategy — supporting the full spectrum of IR activities that help investors and analysts understand Chime's business, growth trajectory, and competitive position.

You'll work closely with the Head and Director of IR and gain exposure to senior leadership, the sell-side analyst community, and institutional investors. This is a high-visibility, high-learning role for someone early in their career who wants to build a foundation in investor relations, capital markets and corporate finance.

The base salary offered for this role and level of experience will begin at $90,000 and up to $125,000. 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

Investor Communications & Reporting

• Help prepare quarterly earnings materials including press releases, investor presentations, Q&A prep documents, and scripts
• Maintain and update investor-facing content on the IR website
• Track and organize analyst research, consensus estimates, and investor feedback following roadshows and conferences

Market Intelligence

• Monitor sell-side coverage, produce daily news summaries, and flag relevant fintech, neobank, and broader consumer finance developments
• Track peer company earnings calendars, disclosures, and analyst commentary; synthesize competitive positioning implications
• Maintain a peer group benchmarking model (valuation multiples, key operating metrics)

Investor Engagement Support

• Coordinate logistics for investor conferences, non-deal roadshows, and analyst days — including scheduling, travel, briefing documents, and follow-ups
• Manage the IR inbox and help field inbound inquiries from investors and analysts
• Maintain the investor CRM database, tracking engagement history and ownership changes

Financial Analysis

• Support updates to internal financial models and bridge analyses ahead of earnings
• Assist in preparing board and executive materials related to shareholder base, ownership trends, and consensus vs. guidance dynamics

To thrive in this role, you have

Experience & Background

• 2–3 years of professional experience in investor relations, equity research, investment banking, consulting, corporate finance, or a related field
• Undergraduate degree in finance, economics, accounting, or a related discipline; strong academic record
• Exposure to public company financial statements and SEC filings (10-K, 10-Q, 8-K) is a plus

Skills

• Strong financial acumen — comfortable reading an income statement, balance sheet, and cash flow statement, and understanding how they connect
• Excellent written and verbal communication skills; able to synthesize complex information into clear, concise narratives
• Highly organized and detail-oriented, with the ability to manage multiple workstreams under deadline pressure
• Proficiency in Excel and PowerPoint; Google Office Suite, familiarity with Factset or Bloomberg terminal preferred

Attributes

• Genuine curiosity about fintech, capital markets, and how institutional investors think
• Low ego, high initiative — comfortable rolling up your sleeves and owning administrative details as readily as analytical work
• Discretion and sound judgment when handling material non-public information (MNPI) and investor relationships
• Team-first mindset with a desire to grow within the IR function over time

#LI-BE1 #LI-Onsite

About the role

We are looking for a Product Security Manager to lead a team focused on cloud, application, and AI security within our Product Security organization.

This role is responsible for securing our cloud infrastructure, protecting applications, and enabling safe adoption of AI across our products and internal systems. You will work closely with engineering, product, and platform teams to ensure that Chime applications and systems are designed and operated securely.

While cloud and application security are core pillars of this role, AI security is an increasingly critical area of focus. You will help define how we safely leverage AI technologies while managing risks such as data exposure, misuse, and insecure integrations.

This role operates within a flexible POD model, requiring you and your team to move fluidly across security domains based on business priorities.

The base salary offered for this role and level of experience will begin at $152,000 and up to $210,000. 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 the security posture of cloud infrastructure, application systems, and AI-enabled applications across product surfaces
• Influence platform teams' roadmaps and drive alignment on security priorities without direct authority
• Partner with engineering and product teams to embed security into system design and development workflows
• Lead and grow a team of security engineers, setting a high bar for technical execution, ownership, and impact
• Define and execute strategy for securing cloud-native architectures and applications at scale
• Establish guardrails and secure design patterns for AI adoption, including safe integration of third-party and internal AI systems
• Identify and mitigate risks related to AI systems, including prompt injection, data leakage, and misuse of models or APIs
• Build scalable controls and automation around identity, access, encryption, and application security, including secure SDLC and vulnerability management processes
• Lead and support response efforts for security incidents related to cloud, application, and AI risks

To begin in this role, you have

• 5+ years of experience in security engineering, with significant experience in cloud and application security
• 2+ years of experience managing or leading security engineers
• Strong understanding of cloud platforms (AWS, GCP), Infrastructure as Code (IaC), and modern infrastructure patterns
• Experience with industry tooling for SAST, DAST, SCA, WAF, and CNAPP
• Experience designing or securing applications that handle sensitive or regulated data
• Experience securing or evaluating AI/ML systems, or demonstrated ability to operate effectively in ambiguous and emerging security domains
• Strong technical judgment and the ability to go deep in architecture and security discussions when needed
• Experience operating in fast-paced, product-driven environments with shifting priorities
• Strong communication skills with the ability to translate security risks into business impact

#LI-JL1 #LI-Onsite

About the role

You'd be joining the Data Infra team — a small, high-leverage team within Chime's Infrastructure Engineering org. We build and operate the foundational platform that Data Engineering relies on to run their workflows reliably at scale: from deploying Airflow and Flink environments to owning the DynamoDB and RDS infrastructure that powers Chime's data platform. This is a generalist role where you'll touch both pillars — the data engineering deployment layer and the storage layer — so you'll never be bored. If you get energy from building durable foundations that other engineers build on top of, this team is for you.

The base salary offered for this role and level of experience will begin at $133,000.00 and up to $184,000.00. 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

• Build and maintain deployment infrastructure for Data Engineering workflows, including Airflow, Flink, and chalk.ai environments
• Own and operate Chime's core storage technologies — DynamoDB and RDS — serving both data engineering and platform teams
• Write infrastructure-as-code using Terraform and manage workloads on Kubernetes in production
• Partner closely with Data Engineering to translate their needs into scalable, reliable infrastructure solutions
• Drive reliability improvements across the platform — observability, capacity planning, and operational hygiene
• Participate in the full lifecycle of infrastructure changes: design, build, test, and ship
• Help shape how the Data Infra team scales its practices as Chime grows

To thrive in this role, you have

• 2–4 years of software engineering experience with a focus on infrastructure, platform, or backend systems
• Hands-on production experience with Terraform and Kubernetes 
• Familiarity with AWS, particularly managed database services like DynamoDB and RDS
• Strong programming skills in Python or a similar language
• A systems-thinking mindset — you design for reliability, scalability, and maintainability from the start
• The ability to work autonomously on ambiguous problems and communicate clearly across teams
• Experience with data ingestion and ETL pipelines is a strong plus

#LI-AC2 #LI-Remote