Lead Engineer - Payments Platform

Xero•Washington, DC
•$206,000 - $260,000•Remote

About The Position

In this role, you will help shape the technical foundation for money movement capabilities while unlocking new product lines globally. You will guide the design and development of reliable, scalable, performant, and secure services for the platform, ensuring operational excellence and direct business outcomes. This is a rare chance to join an early-stage initiative, make foundational architectural decisions, and have a visible impact on the future of small businesses. By contributing directly to production code and proof-of-concepts, you will solve complex financial technology challenges at a massive scale. The Payments Platform team is the engine powering money movement across the entire ecosystem, collaborating closely with product, security, risk, and operations. We are a highly collaborative collective that values technical excellence, inclusion, and continuous innovation. Together, we work cross-functionally to translate complex business needs into resilient engineering solutions that support millions of subscribers. Initially, you will focus on designing and building out payment platform capabilities, such as orchestration, risks & fraud, multi-providers, to accelerate various payment products development and improve operational posture. You will also be building out a global bill payment product to streamline how small businesses manage their cash flow, developing core high-throughput platform services, and integrating and championing artificial intelligence capabilities to accelerate engineering productivity and enhance developer workflows.

Requirements

  • Proven track record of delivering highly available, distributed backend systems and designing high-throughput services under real-world constraints
  • Deep understanding of system architecture, API design, and both SQL and NoSQL databases
  • Proficiency in modern backend stacks such as C#, Java, Golang, or C++
  • Experience with cloud-native platforms like AWS
  • Passion for staying hands-on contributing directly to production code, proof-of-concepts, and technical deep dives
  • Strong leadership capabilities
  • Strong ability in breaking down complex problems into clear, actionable solutions
  • Strong partner to Product, Design, and other cross-functional teams

Nice To Haves

  • Experience with adjacent technologies

Responsibilities

  • Designing and building out payment platform capabilities, such as orchestration, risks & fraud, multi-providers, to accelerate various payment products development and improve operational posture
  • Building out a global bill payment product to streamline how small businesses manage their cash flow
  • Developing core high-throughput platform services
  • Integrating and championing artificial intelligence capabilities to accelerate engineering productivity and enhance developer workflows
  • Contributing directly to production code and proof-of-concepts
  • Setting technical direction
  • Mentoring engineers
  • Fostering an inclusive culture
  • Breaking down complex problems into clear, actionable solutions
  • Driving agile execution to deliver results
  • Partnering with Product, Design, and other cross-functional teams to translate complex business needs into resilient engineering solutions
  • Championing advanced usage in AI tools and practices across the team to accelerate development workflows

Benefits

  • Medical
  • dental
  • vision
  • 401(k) match
  • 21 days PTO
  • 10 days of Wellbeing leave
  • 5 days of Xtra Leave
  • 1 volunteer day
  • 12 paid holidays
  • paid parental leave
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