About The Role

Chime’s AI/ML team is building models, services, and platforms that transform how millions of users manage and grow their financial lives. We are looking for an AI/ML Engineer with deep technical expertise in AI/ML/Generative AI. Beyond technical proficiency, we value creativity, user empathy, and strong collaboration.

As an AI/ML Engineer at Chime, you’ll take ownership of end-to-end AI/ML model development and deployment under the guidance of senior engineers. Your work will support scalable AI/ML solutions that power member experience, risk assessment, growth and marketing, experimentation and real-time decision systems. You will also have the opportunity to contribute to Chime’s growing generative AI and large language model (LLM) capabilities. This role offers a clear path to developing expertise in full-stack AI/ML engineering, including emerging areas such as LLMs and generative modeling.

The base salary offered for this role and level of experience will begin at $140,670.00 and up to $195,400.00. 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 and implement training pipelines for AI/ML models, including generative models and LLM fine-tuning or prompt engineering.
Own the development and testing of features used in production AI/ML models, including embeddings, vector stores, and retrieval-augmented generation (RAG) pipelines.
Collaborate with data engineers and product teams to scope and refine problem statements, particularly those involving natural language interfaces or content generation.
Conduct model evaluations using offline metrics and online A/B tests for both predictive and generative models.
Write modular, testable, and maintainable code following engineering best practices.

To thrive in this role, you have

2–4 years of experience in AI/ML engineering or applied data science.
Experience with model training, tuning, and inference workflows in production.
Exposure to large language models (e.g., GPT, LLaMA, Claude) and experience working with foundational models, prompt engineering, or fine-tuning.
Familiarity with RAG architectures, vector databases (e.g., FAISS, Pinecone), and unstructured data processing is a plus.
Familiarity with cloud platforms (AWS preferred), orchestration tools and version control.
Deep understanding of modern AI/ML techniques, including optimization, deep learning and transformer-based architectures..
Proficiency in Python and intermediate to advanced knowledge of SQL, with the ability to wrangle data from diverse sources.
Experience with technologies such as AWS, Kafka, Airflow, Redis, MySQL, Postgres, Spark, Snowflake, and Looker.
Exceptional communication and collaboration skills, with experience working with stakeholders across product, design, engineering, and marketing.

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

🏢 A thoughtful hybrid work policy that combines in-office days and trips to team and company-wide events depending on location to ensure you stay connected to your work and teammates, whether you’re local to one of our offices or remote
💻 Hybrid work perks like backup child, elder and/or pet care, as well as a subsidized commuter benefit
💰 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

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.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, Cook County Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation, please let us know.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

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