Senior Software Engineer, Backend

The role

Design and build the systems behind card issuing, transaction processing and settlement for Zip's physical and virtual cards. Work on integrations with Stripe Issuing and banking partners, and own complex backend problems from design through production.

What you will do

• Build and evolve card issuing, transaction processing and settlement systems.
• Design reliable integrations across Stripe, banking partners and Zip's internal platforms.
• Own complex technical initiatives from design through production.
• Contribute to architecture of event-driven, distributed backend systems using .NET, C#, Azure, DDD and CQRS.
• Build payment systems that operate within regulatory, compliance and risk requirements.
• Improve reliability, observability and performance of production systems.
• Partner with Product, Engineering and Infrastructure on technical tradeoffs and delivery.
• Raise engineering quality through design and code reviews, automated testing and monitoring.
• Use AI-assisted development across the software lifecycle and explore practical AI applications.
• Mentor and support engineers through pairing, code reviews and knowledge sharing.

Required qualifications

• Bachelor's degree in Computer Science, Software Engineering or a related field, or equivalent practical experience.
• 10+ years of software engineering experience building and maintaining complex production systems.
• Deep experience with .NET/C#, Azure Cloud Services and distributed backend systems.
• Experience with Domain-Driven Design (DDD), CQRS and event-driven architectures.
• Experience building payment infrastructure, card issuing or transaction processing systems, such as Stripe Issuing, Marqeta or comparable in-house solutions.
• Demonstrated ability to independently own complex technical initiatives from architecture through production delivery.
• Strong understanding of reliability, observability, automated testing, system performance and production incident management.
• Experience with security, compliance and operational considerations of mission-critical financial systems.
• Proven ability to influence technical decisions and partner across Engineering, Product and business teams.
• Experience mentoring engineers and strengthening engineering practices.
• Proven experience using AI-assisted development tools for coding, testing, debugging and problem-solving.
• Ability to evaluate and apply emerging AI capabilities to engineering workflows with sound judgment on quality, security and maintainability.

Nice to have

• A graduate degree.

Benefits

• Flexible working culture.
• Incentive programs.
• Unlimited PTO.
• Generous paid parental leave.
• Family support policies.
• Company-sponsored 401k match.
• Learning and wellness subscription stipend.
• Casual dress code at the Union Square office.
• Employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices.

Before you apply

• Visa sponsorship is not available for this position.
• Zip participates in the federal government's E-Verify program.
• US-based employees are eligible for the remote option.

About the company

Zip Co Limited (ASX: ZIP) is a digital financial services company offering point-of-sale credit and digital payment services. It operates in Australia and New Zealand and in the US.