Software Engineer, Jade - AI Financial Partner

About the role Jade is Chime’s AI financial partner, helping members better understand and manage their money. We’re looking for a software engineer who enjoys building reliable systems, solving practical problems, and learning new technologies. You’ll work on the services, APIs, and integrations behind Jade, helping our members interact with AI as part of their Chime experience. Our backend primarily uses Python, and we welcome engineers with strong experience in other languages who are interested in learning it. You’ll build capabilities for our members and help improve the quality, reliability, and performance of our new AI-powered product. We value strong engineering fundamentals, thoughtful problem-solving, and curiosity. Prior experience or specialization in AI or machine learning is preferred, but not required. You’ll have opportunities to develop that knowledge on the team. In this role, you can expect to Design, build, and test backend services and APIs that power Jade’s capabilities. Build integrations that connect AI models with member data, tools, and Chime services. Own scoped features from technical design through implementation and rollout, with feedback and support from your teammates. Contribute to automated evaluations, testing, and experiments that help us understand model behavior, measure quality, and catch regressions. Improve system reliability, performance, and observability, and help investigate production issues. Partner with engineering, product, design, and data teammates to understand member needs and iterate on useful experiences. To thrive in this role, you have 2+ years developing software in a production environment at scale Proficiency in a backend programming language, such as Python, Go or Ruby, and the ability to write clean, maintainable, and well-tested code. Experience building backend services or applications, including working with APIs and databases. Strong systems thinking, you can reason about how components fit together, how data moves through a system, and where failures might occur. An understanding of distributed systems fundamentals, including service communication, reliability, and trade-offs around latency, consistency, and scale. Strong problem-solving and debugging skills, with the ability to break work into manageable steps and explain technical choices. A collaborative approach, clear communication, and a willingness to ask questions, incorporate feedback, and learn unfamiliar technologies. Preferred Qualifications The following are preferred, but not required: Experience with Python and its backend development ecosystem. Familiarity with large language models (LLMs), including using model APIs, prompts, or tools to build applications. Exposure to AI evaluations (“evals”), such as using test cases, datasets, or experiments to measure response quality and identify regressions. Familiarity with AI tools and frameworks such as LangSmith, LangChain, LangGraph, Amazon Bedrock, or comparable platforms. Experience with any particular tool is not expected. Experience deploying and supporting a production application, including monitoring, troubleshooting, or working with cloud infrastructure. Your exposure to AI can come from professional work, personal projects, or hands-on learning. We welcome strong engineers who are interested in growing into this space. #LI-Hybrid #LI-SL1 Below is the base salary offered for this role and level of experience. Full-time employees may also be eligible for bonus(es), competitive equity, and benefits. For commissioned roles, the base salary listed in this job description does not include incentive/variable pay. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience. Wage Notice $133,000—$184,000 USD 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. 💻 Benefits that support your work and life, including backup child, elder, and pet care and subsidized commuter benefits for eligible employees. ✨ Comprehensive health, financial, and wellbeing benefits designed to support you at every stage of life. 🏝 Generous vacation policy and 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 22 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents 👪 Access to family planning reimbursement 💚 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.