Software Engineer, Credit Risk Platform

About this role

<h2><span style="font-family: helvetica, arial, sans-serif;"><strong>About the role</strong></span></h2> <p><span style="font-family: helvetica, arial, sans-serif;">Chime Engineering is growing rapidly as we scale to support the financial needs of our members. We are looking for driven engineers to join our Credit Risk Platform team, where you’ll build backend services and internal tools that help Chime manage credit risk and losses across all of our credit products, including Loans, MyPay, SpotMe, and a growing pipeline of new credit products in development.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">This team is building a shared risk platform that expands with every new product we launch. A key part of the mission is being able to onboard new credit products as a platform capability, not a reinvention of decisioning, controls, and monitoring each time. You’ll partner closely with Credit Risk, Product, Analytics, and Data Science to help risk experts iterate safely using better tooling, richer data, and clear guardrails. That includes integrating third-party data sources and building systems that are reliable, observable, and auditable, because they sit on the critical path of member experiences and credit outcomes.</span></p> <p><span style="font-family: helvetica, arial, sans-serif;">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. </span></p> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>In this role, you can expect to</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Design, develop, test, and maintain backend services and internal tools that support risk strategy across multiple products (e.g., eligibility, limits, exposure tracking, policy enforcement)</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Contribute to reusable platform primitives that make it faster and safer to launch new credit products without duplicating risk decisioning and controls</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Build and improve workflows that enable Credit Risk teams to adjust strategies (rules, thresholds, segmentation) with appropriate guardrails and review processes</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Integrate third-party data sources used in decisioning and monitoring, including implementing data validation, error handling, and resilience to vendor changes</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Add instrumentation, dashboards, and alerts for key risk and loss signals, and participate in on-call/incident response as part of a supportive team rotation</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Collaborate with senior engineers to learn best practices in system design, testing, and operational excellence</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Proactively identify reliability and scalability improvements and drive them to completion with mentorship and feedback</span></li> </ul> <h2><span style="font-family: helvetica, arial, sans-serif;"><strong>To thrive in this role, you have</strong></span></h2> <ul> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">3+ years developing software in a production environment</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience with Ruby on Rails or comparable frameworks, building and operating APIs</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Experience working with relational databases and caching systems, and writing safe schema changes and migrations</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and an interest in learning deeper system design</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">A strong appreciation for maintainable, well-tested code and a willingness to improve existing systems, not just ship new ones</span></li> <li style="font-family: helvetica, arial, sans-serif;"><span style="font-family: helvetica, arial, sans-serif;">Comfort working across teams to clarify requirements,…