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Full-Time

Software Engineer – New Grad

Identity & Access Management

Confirmed live in the last 24 hours

Chime

Chime

1,001-5,000 employees

Online banking platform offering fee-free services

Fintech
Financial Services

Compensation Overview

$112k - $140kAnnually

+ Bonus + Equity Package

Entry

Chicago, IL, USA

Category
Backend Engineering
FinTech Engineering
Software Engineering
Required Skills
Microsoft Azure
Ruby
AWS
Google Cloud Platform
Requirements
  • Graduated in the last year with a Bachelor's or Master's degree in Computer Science or a related field, or are a bootcamp graduate with work experience or strong CS fundamentals.
  • Exposure to or knowledge of the Ruby programming language.
  • Understanding of some of the popular public cloud computing providers such as AWS, Azure, and GCP.
  • Strong organizational, analytical, interpersonal, oral, and written communication skills.
  • A creative thinker and self-starter with a passion for Chime’s mission and our members.
  • Flexibility and enjoy doing whatever it takes to execute on complex projects.
  • A low ego but high empathy, and are comfortable working well with a wide range of stakeholders.
Responsibilities
  • Write clean, efficient, and well-tested code for both new and existing backend features.
  • Partner closely with the mobile team to design and implement APIs for efficient product shipping.
  • Create and maintain monitors and dashboards to ensure optimal system performance.
  • Collaborate with our product team and other cross-functional partners to launch new features.
  • Work effectively with other technology teams and architects to solve complex problems across various domains.
  • Operate both independently and within a collaborative team environment to meet aggressive schedules and goals.

Chime offers online banking services without physical branches, focusing on a fee-free experience. It allows customers to overdraft up to $200 on debit card purchases without fees through its SpotMe service and provides direct deposit for paychecks up to two days earlier than traditional banks. Chime does not charge monthly fees or minimum balance fees and offers a secured credit card to help users build credit. The company's goal is to provide accessible and cost-effective banking solutions for those who prefer digital banking.

Company Stage

Series G

Total Funding

$2.2B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

10%

2 year growth

10%
Simplify Jobs

Simplify's Take

What believers are saying

  • Chime's acquisition of Salt Labs and the launch of Chime Enterprise indicate a strategic expansion into the enterprise market, potentially increasing user growth through employer partnerships.
  • The introduction of MyPay, allowing early wage access, showcases Chime's commitment to innovative solutions that address the financial needs of everyday people.
  • Chime's focus on financial literacy and unique initiatives like Coloring Budgets and partnerships with cultural icons like T-Pain enhance its brand appeal and customer engagement.

What critics are saying

  • Regulatory changes affecting interchange fees and overdraft policies could impact Chime's revenue model, which heavily relies on these fees.
  • The settlement with the CFPB over delayed balance refunds highlights potential compliance and operational risks that could affect customer trust.

What makes Chime unique

  • Chime's entirely online platform eliminates the need for physical branches, offering a seamless digital banking experience unlike traditional banks.
  • The fee-free model, including features like SpotMe and early direct deposit, sets Chime apart from competitors who often charge various fees.
  • Chime's secured credit card that doesn't require a credit check provides a unique opportunity for customers to build credit, distinguishing it from other financial institutions.

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!