Senior Ruby Full-Stack Software Engineer, Disputes Intake

We are looking for a Senior Full-Stack Software Engineer to join our Disputes Intake Engineering team and help build the next generation of experiences that support members and the agents who help them recover funds. As a senior engineer you will be hands-on across the stack while also helping shape architecture technical direction and execution for mission-critical tools used across member-facing and internal workflows.

This is a high-leverage area where the team is evolving disputes intake from static one-size-fits-all flows into more intelligent adaptive experiences that improve claim quality reduce unnecessary friction and let people focus on judgment where it matters most. Working closely with product design operations and partner engineering teams youll influence how we build clearer more scalable and more trustworthy dispute experiences for our members.

The base salary offered for this role and level of experience will begin at $173000 and up to $204000. 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.

• Lead the design and delivery of high-impact full-stack projects across member-facing and internal disputes intake experiences.
• Build and evolve frontend applications backend services and APIs that support dispute filing and the tools our teams use every day.
• Partner closely with product managers designers operations teams and engineers across Chime to define requirements shape roadmaps and deliver scalable solutions.
• Drive thoughtful system design and improve reliability performance and observability across the platform.
• Help modernize intake experiences by reducing manual work improving data quality and enabling smarter more context-aware workflows.
• Mentor engineers share knowledge and raise the bar on code quality engineering practices and technical craftsmanship.
• Lead projects end to end from technical design through rollout iteration and ongoing support.

• 5 years of experience developing software in a production environment at scale.
• Strong full-stack experience building user-facing applications and backend services with the flexibility to move between frontend and backend work as needed.
• Proven experience with Ruby on Rails or comparable full-stack frameworks and experience with modern frontend technologies such as React and TypeScript or similar tools.
• Deep understanding of architectural patterns for large-scale web applications including maintainability performance and reliability.
• Ability to lead complex projects influence technical direction and collaborate effectively with cross-functional partners.
• Strong communication skills and a collaborative low-ego working style.
• A commitment to maintainable well-tested code and a high bar for engineering quality.
• Nice to have: experience working with AI/ML-powered systems especially models or workflows that support chat voice or other conversational experiences.
• A curiosity for ambiguous high-impact problems and a desire to improve both member experience and internal team efficiency through thoughtful product and technical decisions.
• Desire to drive engineering culture within your immediate team as well as within the larger organization

#LI-AA1 #LI-Onsite

At Chime we believe that everyone can achieve financial progress. We created Chimea 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 its starting a savings account purchasing a first car or home launching a business or pursuing higher education were proud to have helped millions unlock their financial potential.

Were 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 owners 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 peoples trustso we hold ourselves to the highest standards of integrity in everything we do. These arent just words on a wallour 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 dontwho 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.

• Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices plus team and company-wide events depending on location. Whether youre coming in regularly or are part of our fully remote program youll stay engaged with your work and teammates.
• In-office perks including backup child elder and/or pet care plus a subsidized commuter benefit to support your regular commute
• Competitive salary based on experience
• 401k match plus great medical dental vision life and disability benefits
• Generous vacation policy and company-wide Chime Days bonus company-wide paid days off
• 1% of your time off to support local community organizations of your choice
• Annual wellness stipend to use towards eligible wellness related expenses
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
• Access to Maven a family planning tool with $15k lifetime reimbursement for egg freezing fertility treatments adoption and more.
• In-person and virtual events to connect with your fellow Chimersthink cooking classes guided meditations music festivals mixology classes paint nights etc. and delicious snack boxes too!
• A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work cant be done without a diverse team and inclusive environment. Thats why we specifically look for individuals of varying strengths skills backgrounds and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race color ancestry religion sex national origin sexual orientation gender identity age marital or family status disability genetic information veteran status or any other legally protected basis under provincial federal state and local laws regulations or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws including the San Francisco Fair Chance Ordinance Cook County Ordinance NYC Fair Chance Act and the LA City Fair Chance Ordinance and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process please contact: .

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