Principal Product Designer, Spending

Principal Product Designer, Consumer

San Francisco, CA, USA

About the role

We're hiring a Principal Product Designer to help shape the future of financial peace of mind for millions. In this role, you will lead the design vision for high-impact, member-facing experiencesthat set a new standard in consumer fintech.

You bring a strong strategic mindset paired with exceptional craft. You're equally comfortable defining long-term product vision and executing polished, intuitive experiences that improve members' financial lives.

You will play a key role inshaping the quality and direction of design within the Chime app—advocating for thoughtful, member-centered solutions and partnering closely with cross-functional teams to deliver meaningful impact.

This is a high-ownership role for a senior design leader who thrives in ambiguity, drives clarity through strategy and vision, and leads through influence and collaboration.

The base salary offered for this role and level of experience will begin at $202,000 and up to $280,000. 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

• Set the design vision: Lead the product and design vision for complex, cross-functional initiatives, defining strategic direction and ensuring experiences align with both member needs and business goals.
• Elevate design quality at scale: Raise the bar for design execution across the organization by championing strong craft, thoughtful interaction design, and scalable visual systems.
• Drive cross-functional strategy: Partner closely with Product, Engineering, Research, Marketing, and Analytics to define holistic, user-centered strategies that drive measurable outcomes.
• Leverage AI-driven workflows: Apply AI-powered tools within the design process to accelerate ideation, exploration, and prototyping while expanding creative possibilities.
• Simplify complex problems: Translate ambiguous product challenges into clear, elegant, and accessible design solutions.
• Lead through influence: Provide design leadership and mentorship across teams, guiding projects and elevating the work of others without formal people management.

To thrive in this role, you have

• A strategic, high-impact portfolio: A portfolio demonstrating strong product thinking, clear design strategy, and excellent craft across complex digital experiences.
• Consumer product experience: A track record of designing and shipping impactful consumer products at scale across mobile and web.
• Strong craft and prototyping skills: Expertise in tools like Figma and modern prototyping workflows, including the effective use of AI-powered design tools.
• Design systems expertise: Experience working with and evolving design systems to ensure consistency and scalability across products.
• High ownership and autonomy: The ability to take a product vision from concept through execution while maintaining high design quality.
• Exceptional communication: Strong storytelling and communication skills that help align teams, influence stakeholders, and bring ideas to life.
• Member obsession: A deep commitment to creating intuitive, thoughtful experiences that genuinely improve people's financial lives.

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.
• 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

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.