---
title: 'Senior Software Engineer, Machine Learning Platform at Chime Financial, Inc'
canonical: 'https://feeny.ai/job/senior-software-engineer-machine-learning-platform-chime-financial-inc-san-qghqhhfxb1tj'
type: 'job'
last_seen: '2026-09-16'
---

# Senior Software Engineer, Machine Learning Platform at Chime Financial, Inc

- **Company:** Chime Financial, Inc
- **Location:** San Francisco, CA
- **Posted:** 2026-09-11
- **Last confirmed live:** 2026-09-16
- **Apply:** https://boards.greenhouse.io/chime/jobs/8765684002?gh_jid=8765684002

## Job description

## About the role

Chime’s Machine Learning Platform (MLP) team builds and operates the infrastructure, tooling, and developer experience that powers machine learning across the company. We enable data scientists and ML engineers to develop, train, deploy, and monitor models reliably and efficiently.

As a Senior Software Engineer on the Machine Learning Platform team, you will design and build scalable systems spanning traditional machine learning and emerging AI workloads, including model training, feature computation, real-time inference, foundation-model access, evaluation, and agentic orchestration. You’ll work at the intersection of distributed systems, cloud infrastructure, applied machine learning, and AI product engineering.

This role focuses on creating secure, reliable, and reusable platform capabilities that help teams choose the right approach, from conventional predictive models to LLM-powered and multi-step agentic systems, while maintaining strong standards for evaluation, observability, governance, privacy, and cost efficiency.

The base salary offered for this role and level of experience will begin at $187,000.00  and up to $259,000.00. 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

- Design, build, and operate scalable ML and AI infrastructure on AWS.
- Design and operate shared platform capabilities for LLM and agentic workloads, including model access, prompt and configuration lifecycle, retrieval, tool integration, state management, and workflow orchestration.
- Build evaluation frameworks for non-deterministic AI systems, including offline benchmarks, regression testing, online quality signals, human feedback, and failure analysis.
- Establish observability, reliability, and governance for models and agents, covering traces, model and prompt versions, tool calls, latency, token usage, quality, safety, privacy, and cost.
- Help teams make principled architecture decisions across traditional ML, LLM-powered applications, and agentic workflows, and contribute to the platform’s technical roadmap.
- Build distributed training, batch inference, and large-scale processing systems using frameworks such as Ray or Spark.
- Build and maintain infrastructure as code using Terraform.
- Support and evolve the feature store and feature pipelines.
- Develop data ingestion and streaming systems using technologies such as Kinesis, Kafka, Flink, or Spark.
- Improve CI/CD workflows for ML models, AI applications, and platform components.
- Partner closely with Data Science and ML Engineering teams to improve developer experience.
- Participate in on-call rotations to support production systems.

To thrive in this role, you have

- Knowledge of the machine learning development lifecycle, including data preprocessing, model training, evaluation, deployment, and monitoring.
- Experience designing distributed systems and large-scale data or compute platforms on AWS using frameworks such as Spark or Ray.
- 5+ years of experience in ML or AI infrastructure, platform engineering, distributed systems, or production ML systems.
- Working knowledge of LLM application patterns such as retrieval-augmented generation, structured outputs, tool calling, agent orchestration, and evaluation of non-deterministic systems.
- Experience designing production systems that integrate ML or foundation models through reliable APIs, workflows, and data contracts.
- Hands-on experience with CI/CD pipelines, DevOps practices, and infrastructure as code.
- Experience with containerization and orchestration technologies such as Docker and Kubernetes.
- Strong programming skills in Python, Go, Scala, Java, or similar languages.
- Solid understanding of software engineering fundamentals, including testing, version control, code review, and observability.

Nice-to-have

- Experience shipping LLM-powered or agentic systems to production.
- Experience with one or more of the following: model gateways, prompt lifecycle management, retrieval or vector search, tool execution, and agent orchestration frameworks.
- Experience building evaluation, tracing, and observability capabilities for non-deterministic AI systems.
- Familiarity with managed or self-hosted foundation model infrastructure, such as Amazon Bedrock, SageMaker, or equivalent platforms.
- Experience operating GPU-based workloads and optimizing training or inference performance and cost; CUDA experience is a plus.

#LI-Onsite #LI-WW1 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: accommodations@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.](https://www.chime.com/careers/chime-applicant-privacy-notice/)

## About Chime Financial, Inc

## Company Overview
- **One-liner**: Chime is a financial technology company that provides fee-free banking services—including checking, savings, credit building, and early wage access—designed to help everyday people spend, save, and build credit.
- **Entity Type**: Private (venture-backed)
- **Headquarters**: San Francisco, California, USA (with additional offices in Chicago, New York, Seattle, and Washington, D.C.)
- **Founded**: 2012
- **Founders**: Chris Britt and Ryan King

## Core Business
- **Primary industry**: Fintech / Consumer Digital Banking
- **Target customers**: Primarily B2C (everyday consumers in the U.S.), with a recent B2B offering for employers (Chime Workplace)
- **Mission statement**: “Unite everyday people to Unlock Financial Progress™” by delivering banking services that are helpful, easy, and free.

## Products & Services
- **Chime Checking Account**: No monthly fees, fee-free overdraft via SpotMe, early direct deposit (up to 2 days early).
- **SpotMe®**: Fee-free overdraft coverage up to $200 (no interest, no credit check).
- **MyPay®**: Early access to up to $500 of earned wages (including government benefits) before payday, with no interest, no credit check, and no mandatory fees.
- **Chime Savings Account**: High-yield savings (up to 3.75% APY with Chime Prime) with automatic savings features.
- **Credit Builder**: A secured credit card that helps build credit history with no credit check and no annual fee, reporting to major credit bureaus.
- **Chime Card™**: Debit/credit card that offers up to 5% cash back on a chosen category and helps build credit safely, with no interest or annual fees.
- **Chime Prime**: Premium membership tier offering 5% cash back, 3.75% APY on savings, travel perks, 24/7 priority support (requires $3,000/month direct deposit).
- **Chime Plus**: Additional membership tier with higher savings rates and exclusive benefits (requires qualifying direct deposit).
- **Chime Workplace™**: Employer financial wellness suite (launched 2025) that combines Chime’s tools with workforce insights, at no cost to the employer.
- **Banking partners**: The Bancorp Bank, N.A. and Stride Bank, N.A. (both FDIC-insured). Chime is the technology layer, not a bank.

## Market Standing
- **Valuation**: Not publicly available from current search results (Chime was previously valued at $25B in a 2021 round; no updated figure provided).
- **Key Metric**: Total headcount of approximately 1,500 employees (as of 2026), with ~750 in product and tech roles.
- **Notable Investors/Partners**: Not explicitly listed in the provided sources; however, Chime is a well-known venture-backed fintech with backing from firms such as Sequoia, DST Global, etc. (Not confirmed from cited materials; treat as “Not publicly available in this search.”)
- **Growth Signals**: 
  - Expanded from core consumer products into employer wellness (Chime Workplace) and premium tiers (Prime, Plus).
  - Continued product launches (e.g., Chime Card, MyPay, Credit Builder) that address underserved needs.
  - Hybrid work model with three primary offices and a growing remote workforce.
  - Over 10 million people targeted for financial education by 2027 through Chime Scholars Foundation.

## Competitive Advantages
- **Fee-free model**: Doesn’t rely on overdraft or monthly fees; revenue comes primarily from interchange fees (merchant card acceptance). This aligns incentives with members.
- **Regulatory compliance**: Operates within a highly regulated environment, partnering with FDIC-insured banks; maintains strong in-house risk, compliance, and legal infrastructure.
- **Innovation in credit & lending**: Pioneer in fee-free overdraft (SpotMe) and no-credit-check credit building (Credit Builder), forcing industry-wide changes.
- **Member-first design**: Products built on direct member feedback; no minimum balance requirements, no hidden fees.
- **Large user base & brand recognition**: One of the largest U.S. neobanks, with millions of members.

## Strategic Focus
- **Deepening the product ecosystem**: Expanding premium memberships (Prime, Plus) and launching employer-facing solutions (Workplace) to increase revenue per member and loyalty.
- **Financial inclusion**: Continuing to offer tools that help people with limited credit history or low balances access banking services without punitive fees.
- **Regulatory leadership**: Investing in compliance and risk management to maintain strong relationships with regulators and partner banks.
- **Artificial intelligence**: Active hiring in AI/ML roles (e.g., AI/ML Engineer) to improve personalization, fraud detection, and member support.

## Why Work Here
- **Culture**: Grounded in core values of member-first, civic-minded innovation, and diversity, equity, and belonging. Chime emphasizes inclusivity and a welcoming environment for all perspectives.
- **Work environment**: Hybrid work policy—employees typically spend 4 days on-site per week (with offices in San Francisco, Chicago, New York, Seattle, Washington, D.C.). Remote roles also available.
- **Perks**: As a Pledge 1% member, Chime has committed 1% of its equity to the Chime Scholars Foundation (scholarships for college, apprenticeship, trade school). Financial education outreach is a core part of the company’s impact.
- **Engineering culture**: Significant engineering presence (750 product+tech employees) with roles in data science, machine learning/AI, and software engineering. Focus on building scalable, compliant financial services.
- **Mission-driven**: Employees describe working on products that “unlock financial progress” and directly improve the lives of millions.

## Sources
1. [chime.com](https://www.chime.com/) – Company overview and products
2. [chime.com/about](https://www.chime.com/chime-financial/) – About Us, leadership, history, and mission
3. [careers.chime.com](https://careers.chime.com/) – Careers page, culture, and locations
4. [careers.chime.com/en](https://careers.chime.com/en/) – Careers page with job listings and diversity info
5. [builtin.com/company/chime](https://builtin.com/company/chime) – Company profile, offices, headcount, and work policy

## Other roles at Chime Financial, Inc

- [Senior Software Engineer, AI Enablement](https://feeny.ai/job/senior-software-engineer-ai-enablement-chime-financial-inc-san-francisco-7bswy3z2gvc2) — San Francisco, CA
- [Sr. MarTech Manager, Paid Media](https://feeny.ai/job/sr-martech-manager-paid-media-chime-financial-inc-san-francisco-svkfx52z01jq) — San Francisco, CA
- [Tech Lead Manager, Lending](https://feeny.ai/job/tech-lead-manager-lending-chime-financial-inc-chicago-jzh61p9r3ene) — Chicago, IL / New York, NY / San Francisco, CA
- [Product Manager, Design Systems](https://feeny.ai/job/product-manager-design-systems-chime-financial-inc-san-francisco-xqqc4v5vjh6b) — San Francisco, CA
- [Senior Business Analyst, TPRM](https://feeny.ai/job/senior-business-analyst-tprm-chime-financial-inc-san-francisco-ke610j9rz47n) — San Francisco, CA
- [Creative Director, Brand](https://feeny.ai/job/creative-director-brand-chime-financial-inc-new-york-2g5xx9bga372) — New York, NY / San Francisco, CA
- [Sr. Program Manager, Member Experience](https://feeny.ai/job/sr-program-manager-member-experience-chime-financial-inc-united-states-yy765n8e5ttb) — United States
- [Senior Data Scientist, Organic Growth](https://feeny.ai/job/senior-data-scientist-organic-growth-chime-financial-inc-san-francisco-e7fgp2hp0wtg) — San Francisco, CA
- [Lead Analyst, Financial Crimes](https://feeny.ai/job/lead-analyst-financial-crimes-chime-financial-inc-chicago-jhhgrv8g8swg) — Chicago, IL
- [Software Engineer, Growth](https://feeny.ai/job/software-engineer-growth-chime-financial-inc-san-francisco-42drwmr4qj9w) — San Francisco, CA