Senior Software Engineer (AI & App Experience)

• We are looking for a Senior Full-Stack Engineer to join our team and help build Jade, Chime’s AI-powered financial assistant
• As a senior engineer on this team, you’ll work across the full breadth of what it takes to bring an AI product to life — from designing new agent capabilities and conversation experiences to building the eval frameworks, observability, and guardrail systems that ensure Jade is reliable and safe for millions of members
• You’ll shape how Jade reasons, acts, and improves over time
• You’ll build member-facing capabilities that help people manage their spending, stay on top of subscriptions, and hit their financial goals
• You’ll also develop internal tools, dashboards, and backend services for model routing, prompt management, agent orchestration, and evaluation pipelines
• The AI landscape evolves rapidly, and so does Jade
• You’ll need to learn quickly, adapt to shifting priorities, and proactively identify what’s needed next — whether that’s a new financial capability, a better way to test conversations, or a system to keep quality high as we scale
• If you’re excited about the unique challenges of shipping LLM-powered products at scale, this is the role for you
• Design, build, and scale new capabilities for Jade, Chime’s AI-powered financial assistant
• Develop agent architectures, prompt strategies, and orchestration patterns that shape how Jade reasons and acts
• Build eval frameworks, observability, and guardrail systems that let the team ship with speed and confidence
• Partner cross-functionally to solve member pain points and deliver secure, scalable solutions
• Improve system reliability through performance tuning and architectural enhancements
• Contribute to technical design and maintain high standards across the codebase through code reviews and mentorship
• Bring curiosity and initiative to explore how things work and how they can work better

Benefits

• Physical: We believe in taking care of your physical health, so as a Chimer you’ll get medical, dental, and vision insurance, as well as benefits to support your physical activity, family planning, and all of your little Chimers
• Emotional: We know that staying healthy involves a lot more than doctor’s checkups. We partner with Modern Health to help you navigate your mental health, give monthly Take Care of Yourself Days, and want you to take time off when you need it
• Financial: We want Chimers to save and feel financially supported, so we offer savings plans with competitive matching, as well as access to financial planning and legal assistance so that you can find your financial peace of mind
• Social: We’ll celebrate your milestones together with travel stipends, swag, and high-fives and make sure you’re connected to fellow Chimers through our Chime Resource Groups (CRGs) and company events- Experience with transactional databases (e.g., Postgres) and caching systems (e.g., Redis)
• Proficiency with Python or comparable frameworks
• Bonus: Experience with agent development, fintech, or startup environments
• Proficiency with AI tooling and AI native development
• A drive to learn and dive deep into technical systems
• 5+ years of backend software development experience in production environments
• A strong focus on writing maintainable, well-tested code
• Familiarity with architectural patterns in high-scale systems