Chime
Senior Software Engineer, Machine Learning Platform
Chime, San Francisco, California, United States, 94199
About the Role
At Chime, data is at the heart of how we deliver exceptional experiences to our members-and Machine Learning (ML) and Artificial Intelligence (AI) are becoming foundational to how we personalize, automate, and make real-time decisions at scale. The ML/AI Platform team is building the infrastructure and tools that power the entire Model Development Lifecycle (MDLC) at Chime-from feature engineering and training to deployment and inference. Increasingly, this also includes support for AI workloads such as embeddings, large language models (LLMs), and real-time intelligent agents.
We're looking for a Senior Software Engineer to help us scale our platform, improve ML and AI developer velocity, and ensure reliability, observability, and compliance across the entire stack.
The base salary offered for this role and level of experience will begin at $175,100 and up to $218,900. 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.
In this role, you can expect to Build scalable and reliable infrastructure to support end-to-end ML and AI workflows-including data preprocessing, model training, evaluation, deployment, and real-time inference Design and maintain self-serve tools and APIs that empower Data ScienceI teams to productionize models, including classical models and large language models (LLMs), with minimal infrastructure friction Partner with Data Science, Product Engineering, Risk, and Analytics to understand their ML/AI use cases and deliver platform capabilities that accelerate experimentation and deployment Implement robust monitoring and observability systems for model health, data drift, performance degradation, and compliance across ML and AI workloads in production Contribute to model governance and lifecycle management, including versioning, promotion workflows, release policies, and automated deprecation across training, staging, and deployment Define and advocate for best practices in ML/AI system design, model reproducibility, lineage tracking, and responsible AI usage Mentor and guide engineers on designing platform abstractions, writing clean, maintainable code, and building systems that scale with growing ML/AI adoption across the company To thrive in this role, you have
5+ years of experience building large-scale distributed systems, ideally in the ML domain, with exposure to AI tooling and workflows. A deep understanding of ML development workflows, and hands-on experience addressing challenges in shipping and maintaining models and AI systems in production 3+ years of experience with platform technologies like Kubernetes, Airflow, MLflow, or similar orchestration tools in a modern cloud environment (e.g., AWS, GCP) Expertise in Python (preferred), strong SQL skills, and familiarity with model training libraries such as scikit-learn, XGBoost, TensorFlow, PyTorch, or LLM frameworks like Hugging Face Transformers Experience with streaming and batch data processing technologies (e.g., Spark, Flink, Kafka), and how they support both ML and AI pipelines A strong grasp of API design and platform abstraction, especially in tools aimed at internal ML/AI developers and data scientists A track record of cross-functional collaboration and ownership, partnering across Data Science, Engineering, and Product to drive platform adoption and long-term impact Bonus: Familiarity with AI-specific infrastructure challenges, such as LLM inference, vector databases, embeddings, or prompt orchestration #LI-Hybrid #LI-AA1
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, transparent, 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. ** In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute ** Competitive salary based on experience ** 401k match **
plus great medical, dental, vision, life, and disability benefits Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more. In-person and virtual events to connect with your fellow Chimers-think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too! ** A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress **
** Perks also available to Chime Interns.
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: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.
At Chime, data is at the heart of how we deliver exceptional experiences to our members-and Machine Learning (ML) and Artificial Intelligence (AI) are becoming foundational to how we personalize, automate, and make real-time decisions at scale. The ML/AI Platform team is building the infrastructure and tools that power the entire Model Development Lifecycle (MDLC) at Chime-from feature engineering and training to deployment and inference. Increasingly, this also includes support for AI workloads such as embeddings, large language models (LLMs), and real-time intelligent agents.
We're looking for a Senior Software Engineer to help us scale our platform, improve ML and AI developer velocity, and ensure reliability, observability, and compliance across the entire stack.
The base salary offered for this role and level of experience will begin at $175,100 and up to $218,900. 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.
In this role, you can expect to Build scalable and reliable infrastructure to support end-to-end ML and AI workflows-including data preprocessing, model training, evaluation, deployment, and real-time inference Design and maintain self-serve tools and APIs that empower Data ScienceI teams to productionize models, including classical models and large language models (LLMs), with minimal infrastructure friction Partner with Data Science, Product Engineering, Risk, and Analytics to understand their ML/AI use cases and deliver platform capabilities that accelerate experimentation and deployment Implement robust monitoring and observability systems for model health, data drift, performance degradation, and compliance across ML and AI workloads in production Contribute to model governance and lifecycle management, including versioning, promotion workflows, release policies, and automated deprecation across training, staging, and deployment Define and advocate for best practices in ML/AI system design, model reproducibility, lineage tracking, and responsible AI usage Mentor and guide engineers on designing platform abstractions, writing clean, maintainable code, and building systems that scale with growing ML/AI adoption across the company To thrive in this role, you have
5+ years of experience building large-scale distributed systems, ideally in the ML domain, with exposure to AI tooling and workflows. A deep understanding of ML development workflows, and hands-on experience addressing challenges in shipping and maintaining models and AI systems in production 3+ years of experience with platform technologies like Kubernetes, Airflow, MLflow, or similar orchestration tools in a modern cloud environment (e.g., AWS, GCP) Expertise in Python (preferred), strong SQL skills, and familiarity with model training libraries such as scikit-learn, XGBoost, TensorFlow, PyTorch, or LLM frameworks like Hugging Face Transformers Experience with streaming and batch data processing technologies (e.g., Spark, Flink, Kafka), and how they support both ML and AI pipelines A strong grasp of API design and platform abstraction, especially in tools aimed at internal ML/AI developers and data scientists A track record of cross-functional collaboration and ownership, partnering across Data Science, Engineering, and Product to drive platform adoption and long-term impact Bonus: Familiarity with AI-specific infrastructure challenges, such as LLM inference, vector databases, embeddings, or prompt orchestration #LI-Hybrid #LI-AA1
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, transparent, 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. ** In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute ** Competitive salary based on experience ** 401k match **
plus great medical, dental, vision, life, and disability benefits Generous vacation policy and company-wide Chime Days, bonus 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 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more. In-person and virtual events to connect with your fellow Chimers-think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too! ** A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress **
** Perks also available to Chime Interns.
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: benefits@chime.com.
To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.