Senior Ruby Full-Stack Software Engineer Disputes Intake

We are looking for a Senior Full-Stack Software Engineer to join our Disputes Intake Engineering team and help build the next generation of experiences that support members and the agents who help them recover funds. As a senior engineer you will be hands-on across the stack while also helping shape architecture technical direction and execution for mission-critical tools used across member-facing and internal workflows.

This is a high-leverage area where the team is evolving disputes intake from static one-size-fits-all flows into more intelligent adaptive experiences that improve claim quality reduce unnecessary friction and let people focus on judgment where it matters most. Working closely with product design operations and partner engineering teams you’ll influence how we build clearer more scalable and more trustworthy dispute experiences for our members.

The base salary offered for this role and level of experience will begin at $164000 and up to $227000.. Full-time employees are also eligible for a bonus competitive equity package and benefits. The actual base salary offered may be higher depending on your location skills qualifications and experience. 

• Lead the design and delivery of high-impact full-stack projects across member-facing and internal disputes intake experiences.
• Build and evolve frontend applications backend services and APIs that support dispute filing and the tools our teams use every day.
• Partner closely with product managers designers operations teams and engineers across Chime to define requirements shape roadmaps and deliver scalable solutions.
• Drive thoughtful system design and improve reliability performance and observability across the platform.
• Help modernize intake experiences by reducing manual work improving data quality and enabling smarter more context-aware workflows.
• Mentor engineers share knowledge and raise the bar on code quality engineering practices and technical craftsmanship.
• Lead projects end to end from technical design through rollout iteration and ongoing support.

• 5+ years of experience developing software in a production environment at scale.
• Strong full-stack experience building user-facing applications and backend services with the flexibility to move between frontend and backend work as needed.
• Proven experience with Ruby on Rails or comparable full-stack frameworks and experience with modern frontend technologies such as React and TypeScript or similar tools.
• Deep understanding of architectural patterns for large-scale web applications including maintainability performance and reliability.
• Ability to lead complex projects influence technical direction and collaborate effectively with cross-functional partners.
• Strong communication skills and a collaborative low-ego working style.
• A commitment to maintainable well-tested code and a high bar for engineering quality.
• Nice to have: experience working with AI/ML-powered systems especially models or workflows that support chat voice or other conversational experiences.
• A curiosity for ambiguous high-impact problems and a desire to improve both member experience and internal team efficiency through thoughtful product and technical decisions.
• Desire to drive engineering culture within your immediate team as well as within the larger organization

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What We Do

Chime was created because we believe everyone can Unlock Financial Progress and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful transparent and easy. Our suite of tools and platforms give our members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees providing members the chance to receive their pay up to 2 days early* with direct deposit build credit history and develop financial literacy to hit their goals—among many other things. Since 2012 we’ve grown our team to more than 1500 Chimers across 3 offices. But more than that we’ve expanded the products and services we offer to our members based on their feedback. And in doing so we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company not a bank. Banking services are provided by The Bancorp Bank N.A. or Stride Bank N.A. Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received which may be up to 2 days earlier than the scheduled payment date.

Why Work With Us

We’ve crafted a culture that’s grounded in our core values and always focused on our members. We’re civic-minded innovators who take action to bring people together to accelerate equity and prosperity. We embrace our humanity treat each other with respect and kindness and are driven to make an impact on our members and communities far and wide.

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