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.

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.