Internship

Software Engineer Intern

Lending & Financial Goals

Posted on 4/2/2025

Chime

Chime

1,001-5,000 employees

Online banking platform offering fee-free services

Compensation Overview

$34 - $49/hr

San Francisco, CA, USA

Hybrid work policy with in-office days required.

Category
FinTech Engineering
Software Engineering
Required Skills
JavaScript
Product Management
Ruby on Rails
AWS
React Native
Requirements
  • Currently pursuing a Bachelor’s and/or Master’s degree in Computer Science, Software Engineering, or a related technical field
  • Strong organizational, analytical, interpersonal, oral, and written communication skills
  • Creative thinker and self-starter with a passion for consumer FinTech
  • Flexible and enjoy doing whatever it takes to execute on complex projects
  • Have a low ego and are comfortable working directly well with a wide range of stakeholders
Responsibilities
  • Work alongside our experienced engineering team to design, develop, and maintain software that powers innovative, member-friendly financial services
  • Participate in the full software development lifecycle, including planning, design, development, testing, deployment, and maintenance
  • Collaborate with cross-functional teams, including product management, design, and user research
  • Gain exposure to a variety of software technologies and programming languages, including but not limited to Ruby on Rails, JavaScript, React Native, AWS
  • Have the opportunity to propose and implement your own ideas and solutions to improve our software applications and business operations

Chime is a financial technology platform that provides online banking services without physical branches. It offers features like SpotMe, which allows customers to overdraft up to $200 without fees, and direct deposit that can deliver paychecks up to two days early. Chime does not charge monthly fees or foreign transaction fees and provides access to over 60,000 fee-free ATMs. The company's goal is to simplify banking and help customers manage their finances effectively.

Company Size

1,001-5,000

Company Stage

Series G

Total Funding

$2B

Headquarters

San Francisco, California

Founded

2012

Simplify Jobs

Simplify's Take

What believers are saying

  • Chime+ offers a 3.75% APY savings rate, attracting users seeking higher returns.
  • Chime Workplace taps into the B2B market, expanding its user base through employers.
  • Instant Loans provide quick funds without credit checks, increasing customer retention.

What critics are saying

  • Increased competition from credit unions could challenge Chime's mobile banking market share.
  • Chime's reliance on interchange fees may be threatened by potential regulatory changes.
  • The upcoming IPO could lead to increased scrutiny and pressure from investors.

What makes Chime unique

  • Chime offers fee-free banking with no monthly, minimum balance, or foreign transaction fees.
  • Chime's SpotMe service allows overdrafts up to $200 without fees, enhancing user trust.
  • Chime's secured credit card helps users build credit without a credit check, unique in fintech.

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Benefits

Competitive salary based on experience

401k match plus the usual medical, dental, vision, life, and disability benefits

Generous vacation policy and company-wide Take Care of Yourself Days

Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
PYMNTS
Mar 31st, 2025
Chime Debuts Premium Tier And New Banking Features

Mobile banking app Chime launched a premium membership program alongside several new features.Chime+ is available exclusively to members who direct deposit, the company said in a Monday (March 31) news release. Benefits include a 3.75% APY savings rate, exclusive merchant deals and priority customer support.“In addition to Chime+, Chime is also rolling out a redesigned app experience that features a variety of new, smarter tools to help all members manage money, build credit and save with confidence…,” the release said.Members can build credit on purchases from the day they open an account, rather than needing to direct deposit via Chime, per the release. In addition, Chime’s app now allows members to see FICO tracking and view the factors affecting their credit scores.“With today’s launches, we’re making it even easier for our members to manage their money and grow their credit,” Chime Chief Product Officer Madhu Muthukumar said in the release.The company is also debuting Chime Workplace, a suite of financial wellness services, according to a separate Monday news release. This gives employees access to Chime products that help with income management, savings, credit, and loyalty and rewards.Earlier this month, Chime introduced Instant Loans, which lets pre-approved members who receive direct deposits to their Chime Checking Accounts access three-month installment loans of up to $500.In other mobile banking news, PYMNTS last week examined efforts by credit unions (CUs) to update their banking apps in a conversation with David Durovy, senior vice president of transformation at i2c.“We’re in a mobile-first and mobile-native world, and we have to be transacting there,” Durovy said. “But that’s one of the key areas where even today, a large number of credit unions still haven’t been provided the capabilities from their existing partners to be able to get there.”Due to those limitations, CUs cannot fully capitalize on one of their competitive differentiations: the close knowledge of the markets they serve. To fully digitize, CUs must deliver new capabilities, new services and new ways of interacting

PYMNTS
Mar 31st, 2025
Chime Debuts Premium Tier and New Banking Features

Mobile banking app Chime launched a premium membership program alongside several new features.

America News Digest
Mar 31st, 2025
IPO-bound Chime Aims for Growth with Increased Interest Rates

In 2020, Chime launched a credit card designed to help users build and improve their credit by setting purchase limits based on account balance, functioning more like a debit card.

Neobanque
Mar 31st, 2025
Chime Offers Industry-Leading 3.75% APY as Part of Major App Redesign, IPO on Horizon

In a strategic expansion beyond consumer banking, Chime has launched Chime Workplace(TM), an all-in-one financial wellness suite for employers to offer their workforce.

PYMNTS
Mar 25th, 2025
Marqeta Teams With Upside To Offer Cash-Back Rewards

Card issuing platform Marqeta has launched a collaboration with retail technology firm Upside. The partnership, announced Tuesday (March 25), lets Marqeta customers integrate Upside’s cash-back offers into their consumer debit and prepaid card programs. “At Marqeta, we’re always looking for ways to help our customers create stronger connections with their users,” Todd Pollak, Marqeta’s chief revenue officer, said in a news release. “Integrating Upside’s personalized cash-back offers makes it easier for customers to deliver meaningful rewards and keep their cardholders engaged where they spend most — grocery stores, restaurants and fuel stations.”