Senior Full-Stack Engineer, Multiplayer

We’re looking for a Senior Full-Stack Engineer to help build some of Chime’s newest and most impactful member experiences within our Spending, Savings & Investing organization. This role will contribute to Multiplayer projects such as Joint & Teen accounts - enabling shared financial experiences for families, as well as new initiatives exploring next-generation banking infrastructure that can improve speed, flexibility, and access to financial products.

These efforts introduce new financial product constructs and require evolving core account systems while delivering seamless member experiences. You’ll work closely with engineers, product managers, and designers to ship scalable, reliable features that support millions of Chime members.

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. 

• Own and drive end-to-end development of complex product features, from shaping technical approach through implementation and launch
• Lead multi-engineer efforts within a team, helping break down problems, define scope, and drive execution
• Work through ambiguity to define solutions, structuring problems and aligning technical decisions with product and business goals
• Collaborate closely with cross-functional partners (product, design, risk, legal, compliance, and  engineering teams) to deliver high-impact features
• Design and build scalable systems across backend services and frontend applications supporting millions of members
• Contribute to technical design decisions, balancing tradeoffs across performance, reliability, and long-term maintainability
• Raise the bar for engineering quality through thoughtful code reviews, testing practices, and improving team standards
• Mentor and support other engineers, helping improve team velocity, code quality and overall execution
• Engineers are required to participate in on-call rotation. Being on call may include responding to incidents outside of regular working hours when necessary.

• 5+ years of experience building production-grade software, with a track record of shipping reliable, user-facing features
• Experience owning projects or major features end-to-end, including design, implementation, and delivery
• Strong backend development experience, including building APIs and services, with working knowledge of modern frontend frameworks (e.g., React, React Native)
• Comfort operating in ambiguous, fast-moving environments, where you help define solutions rather than just implement them
• Strong collaboration skills, with experience working closely with product managers, designers, and other engineers
• A mindset focused on impact, quality, and continuous improvement

#LI-Hybrid #LI-SB1

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress. 

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.