Software Engineer - Financial Platform
About the job
- Must have experience in Go.
- Have 4+ years of engineering experience.
- Have contributed to the development of backend systems.
- Have experience in payment processing systems.
- Take a rigorous approach to test-driven development.
- Participate in an on-call rotation, including responding to incidents outside regular working hours when necessary.
- Design, develop, test, and deploy components of a new financial platform.
- Deliver secure, reliable, and high-performance infrastructure and APIs.
- Work with the infrastructure engineering team to minimize the operational overhead of production systems deployed.
- Develop thoroughly tested code and conduct quality assurance on new code alongside the quality assurance team.
- Learn and execute agile methodologies and follow a test-driven development approach.
- Experience in additional backend languages such as Ruby, Java, and Python.
- Experience with AWS or other cloud platforms, cloud-native technology, and NoSQL databases.
- An understanding of architectural patterns for large, mission-critical production services.
- Experience working in continuous integration and continuous deployment environments.
About the company
Chime is an online financial technology platform that provides banking services and a debit card through partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.). It operates without physical branches and focuses on a fee-free experience. Customers can use SpotMe to overdraft up to $200 on debit purchases (eligibility required), receive paychecks up to two days early via direct deposit, and access over 60,000 fee-free ATMs. Chime also offers a secured credit card that doesn’t require a credit check and can help improve FICO scores, along with a savings account offering 2.00% APY with no fees. The company generates most of its revenue from interchange fees charged when customers use the Chime debit card. The goal is to make banking simpler and cheaper for everyday users through a digital-first platform.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Francisco, California
Founded
2012
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Simplify's Take
What believers are saying
- August 2026 revenue reached $670 million, with 27% growth and 15% EBITDA margins.
- September 2026 guidance rose to $2.76 billion–$2.77 billion revenue and $481 million EBITDA.
- Chime expects over $100 million net synergies from Stride and lower sponsor-bank fees.
What critics are saying
- OCC and Fed rejection of the Stride deal stalls Chime’s full-stack strategy into 2027.
- Bank ownership concentrates regulatory scrutiny on Chime if lending losses rise after integration.
- Stablecoin wallet experiments invite compliance failures, reputational damage, and product distraction by 2027.
What makes Chime unique
- Chime’s September 2026 Stride acquisition locks in banking infrastructure and control.
- ChimeCore unifies product, data, and lending decisions inside one proprietary platform.
- Its fee-free mobile bank model still attracts over 10 million active members.
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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
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%Nu Holdings and Chime Financial are competing digital banking platforms, but differ significantly in scale and geography. Nu operates across Brazil, Mexico and Colombia with 139 million customers and has recently entered the US market. The company posted $5.9 billion in gross revenues and over $1 billion in net income in Q2 2026, marking its first time surpassing that profit threshold. Chime remains focused on the US market with 10.4 million active members. Brazil accounts for most of Nu's customer base at 118 million users, serving as the primary account for roughly 60% of mass-market customers. Mexico has grown to 16 million customers and recently achieved banking license status, reaching profitability faster than Brazil. Nu's US entry introduces new execution challenges, as it faces established competitors like Chime in a market with different consumer behaviour patterns.
Chime has opened a new 84,000-square-foot office in Manhattan's Flatiron District, establishing its East Coast hub in its largest metropolitan market. The three-floor workspace at 122 Fifth Avenue brings together New York-based employees across product, engineering, enterprise, marketing, and partnerships teams. The expansion comes as Chime enters its next growth phase, having recently announced plans to acquire Stride Bank, its bank partner of over seven years. Subject to regulatory approval, Stride would become Chime's bank subsidiary, bringing a national bank charter and banking infrastructure in-house. Chime first established its New York presence in 2023 and expanded in 2024 by acquiring Salt Labs, now Chime Enterprise. The office adds to Chime's existing locations in San Francisco and Chicago.
PayPal's new CEO rejects $50B buyout to pursue high-stakes transformation including A Venmo revamp, says report. Published: Sep 12 2026, 03:10 AM IST * FB * TW * Linkdin * Whatsapp * GNFollow Us Enrique Lores is rejecting multi-billion-dollar takeover bids to chart PayPal's independent future. * A buyout offer exceeding $50 billion from rival Stripe and private-equity firm Advent International has stalled over pricing disagreements. * CEO Enrique Lores plans to transform Venmo from a simple peer-to-peer payment tool into a comprehensive money-management platform. * Under a new compensation structure, Lores stands to earn a $25 million bonus if PayPal's stock reaches an average of $68, and over $60 million if it hits $125. PayPal (PYPL) CEO Enrique Lores is charting an independent path forward for the payments pioneer, choosing to rebuild the company rather than sell it following a stalled buyout attempt valued at over $50 billion, according to an exclusive report by The Wall Street Journal. Lores, the former HP executive who unexpectedly took the helm as CEO six months ago, faces an uphill battle to convince a skeptical Wall Street. Shares briefly surged to over $62 after fintech competitor Stripe and private equity firm Advent International made a $60.50-per-share acquisition offer. However, with negotiations stalled over valuation differences, the stock has retreated to $53. PYPL stock rose about 0.8% on Friday. Revamp of core services and Venmo expansion. To regain competitive momentum against giants like Apple Pay and Google Wallet, Lores plans to cut billions in expenses, improve user incentives, and modernize the classic PayPal checkout experience. Central to his strategy is a broad transformation of Venmo, aiming to reshape the low-profit app into a full-scale financial ecosystem. Lores envisions Venmo competing directly with platforms like SoFi and Chime by adding budgeting tools, stock trading, and upcoming buy-now-pay-later options alongside its existing crypto and debit services. The pivot comes as digital banking competitors rapidly consolidate their positions; Revolut recently secured conditional approval for a U.S. national bank charter, while Chime announced an acquisition to secure its own banking charter. Meanwhile, PayPal's application for a Utah state charter remains under review. As The Wall Street Journal detailed, Lores has strong financial motivation to execute this vision. His compensation targets include a $25 million payout if PayPal's stock averages $68 over 60 days, and upwards of $60 million if shares touch $125. Nevertheless, analysts warn that overcoming years of sluggish execution in a crowded market will present significant hurdles for the turnaround. PYPL stock: retail view. Retail sentiment on Stocktwits was 'bearish' with 'low' message volumes. PYPL stock has lost 10.2% year-to-date. For updates and corrections, email newsroom[at]stocktwits[dot]com.< Stay updated with all the latest Business News, including market trends, Share Market News, stock updates, taxation, IPOs, banking, finance, real estate, savings, and investments. Track daily Gold Price changes, updates on DA Hike, and the latest developments on the 8th Pay Commission. Get in-depth analysis, expert opinions, and real-time updates to make informed financial decisions. Download the Asianet News Official App from the Android Play Store and iPhone App Store to stay ahead in business. 0 Comments / 0 New
Chime to acquire Stride Bank for $590m. September 9, 2026 Chime, the Nasdaq-listed US FinTech, is set to acquire Stride Bank, N.A., its long-standing banking partner, for $590m as it moves to bring its banking infrastructure directly under its ownership. The all-cash transaction will see Stride become a wholly owned subsidiary of Chime and be renamed Chime Bank, N.A. The deal is expected to close in the first half of 2027, subject to regulatory approval from the Office of the Comptroller of the Currency and the Federal Reserve Board. The boards of both companies have unanimously approved the transaction. Chime will pay approximately 1.5 times Stride's tangible book value and plans to finance the acquisition from its existing balance sheet. The FinTech expects the transaction to increase earnings per share following completion and generate more than $100m in net synergies. The expected savings will primarily come from removing sponsor-bank fees and reducing funding costs, while Chime also expects greater ownership of its lending operations to support growth. The acquisition is intended to provide Chime with a faster route to controlling its own banking infrastructure than applying for a new bank charter. Following completion, Stride's banking infrastructure will be integrated with ChimeCore, Chime's proprietary technology platform. Chime expects the combination to reduce operational handoffs, bring data and decision-making closer together and accelerate the development of compliant financial products. The company also expects direct ownership of the bank charter to strengthen the connection between the Chime brand and the underlying banking services. Chime plans to keep total assets below $10bn for the foreseeable future and consolidate its banking activities within Stride, with the bank primarily serving Chime's consumer customers. The acquisition comes alongside an increase to Chime's 2026 financial guidance. The company now expects third-quarter revenue of $705m, representing year-on-year growth of approximately 30%, with adjusted EBITDA of between $117m and $120m. That would give the quarter an adjusted EBITDA margin of around 17%. For the full year, Chime expects revenue of between $2.76bn and $2.77bn, representing growth of approximately 26% to 27%. Adjusted EBITDA is forecast at between $481m and $489m, with a margin of 17% to 18%. Chime is a financial technology company focused on consumer banking, offering products across payments, deposits and lending. It serves more than 10 million active members. Deposits held through Chime are currently insured by the FDIC through The Bancorp Bank, N.A. or Stride Bank, N.A. Stride was established in 1913 and is headquartered in Enid, Oklahoma. It operates branches in Oklahoma and Salt Lake City and provides consumer and commercial banking, treasury management, mortgage and wealth management services. Chime CEO and co-founder Chris Britt said, "We founded Chime because mainstream America deserved better banking. Our member-aligned, technology-driven strategy will remain the same. This acquisition will make our proven model even stronger. By combining Chime's leading brand and deep member relationships with Stride's national charter and team, we will accelerate toward our vision to be the largest provider of primary bank accounts in America." Stride Bank chairman and CEO Brud Baker added, "Stride has spent more than a century serving customers and strengthening communities. For seven years, we have seen firsthand how Chime puts members first and how seriously it takes its mission. That gives us real confidence in this combination and the future we can build together. Stride's national bank charter and experienced team will be central to what comes next. I look forward to continuing to lead Chime Bank, creating new opportunities for our customers, communities, and employees." Enjoying the stories? Investors. The following investor(s) were tagged in this article.
Chime to buy nationally chartered Stride Bank for $590 million, shares jump. 09 Sep 2026 05:13AM (Updated: 09 Sep 2026 07:29AM) Add CNA as a trusted source to help Google better understand and surface our content in search results. Sept 8: Fintech Chime said on Tuesday it will acquire nationally chartered Stride Bank for $590 million, bringing key banking infrastructure in-house as it looks to expand its lending business. Here are some details: - Chime's shares, which are up over 28 per cent this year, jumped nearly 10 per cent in extended trading. - The all-cash deal is expected to help Chime realize more than $100 million in net synergies and close in the first half of 2027. - Enid, Oklahoma-based Stride was founded in 1913 and provides financial services including consumer and commercial banking. The bank has been a partner to Chime for over seven years. - "The acquisition of Stride Bank provides Chime with a faster and more proven path to full-stack ownership versus pursuing a de novo bank charter," Chime said in a statement. - Chime will manage Stride's balance sheet upon closing and keep its assets below $10 billion for the foreseeable future. - San Francisco-based Chime targets everyday Americans with banking products and has managed to grow its user base by attracting younger customers through its mobile-first products - Chime also raised its full-year revenue forecast and now expects between 26 per cent and 27 per cent growth, from its prior expectation of 25 per cent to 26 per cent. - Morgan Stanley is serving as a financial advisor to Chime, while Piper Sandler & Co is advising Stride.