Full-Stack Engineer, Multiplayer

About the role

We’re looking for a 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 $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.

In this role, you can expect to

• Independently own and deliver feature-level work end-to-end, from implementation through testing and deployment
Build product features across backend services and client applications

• Collaborate with engineers, product managers, and designers to deliver member-facing capabilities

• Write clean, reliable, and maintainable code across services and client applications
Participate in code reviews and contribute to design discussions and implementation planning

• Contribute to improving performance, reliability, and scalability of systems

• Work across teams to support the evolution of core systems and platform capabilities

To thrive in this role, you have

• 3+ years of experience building production-grade software, with experience shipping user-facing features
Experience contributing to features end-to-end, including implementation, testing, and deployment

• Experience building backend services and APIs, with an understanding of service-based architectures and working across client applications, including web (e.g., React) and mobile (e.g., React Native), to build user-facing features

• Familiarity with scalable systems and best practices for performance and reliability

• Ability to work with some ambiguity and navigate problems within established systems and patterns

• Strong collaboration skills, with experience working with engineers, product managers, and designers

• A growth mindset with a focus on ownership, learning, and continuous improvement

#LI-Hybrid #LI-AA1

A little about us

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

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

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

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

Because if we don't—who will?

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

What we offer for our full-time, regular employees

• 🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.

• 💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute

• 💰 Competitive salary based on experience

• ✨ 401k match plus great medical, dental, vision, life, and disability benefits

• 🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off

• 🫂 1% of your time off to support local community organizations of your choice

• 👟 Annual wellness stipend to use towards eligible wellness related expenses

• 👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents

• 👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.

• 🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

• 💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

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

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