Product Engineer

Zed•San Francisco, CA

10d•Onsite

About The Position

Zed is building the first AI-native, licensed neobank in the Philippines designed to democratize access to premium financial services for young professionals in global markets. The current banking system is broken, often shutting out the world’s youngest and fastest-growing consumer classes—we’re here to fix it. Our team is uniquely positioned to solve this. We are Stanford engineers and former YC founders who have spent our careers at the intersection of banking and hyper-growth startups like Square, Facebook, and Box. We’ve been here before, having previously built and exited Symple (YC W'17), a fast-growing B2B payments company. We are backed by world-class investors, including Accel, Valar, Immad Akhund (Mercury), Dalton Caldwell (Y Combinator), and Kunal Shah (Cred). As a Product Engineer, you’ll build the core systems that power Zed’s customer-facing products. In your first six months, you’ll ship foundational backend features that directly impact users — owning projects from ambiguous idea to production deployment. We work together in person, five days a week, from our San Francisco office. You’ll work closely with founders, product, and design to translate vision into reliable, scalable systems. This role is ideal for engineers who’ve trained in strong product environments and want more ownership than they’d get at a large organization.

Requirements

4+ years of professional software engineering experience in product-focused environments
Strong backend depth in a typed or functional language (Rust, Go, Scala, Haskell, OCaml, TypeScript, etc.)
Experience shipping core product features — not just isolated infrastructure components
Comfort operating in ambiguity and early-stage environments
High ownership mindset and strong product intuition

Nice To Haves

Experience at a high-growth startup (Series A–C)
Background at a strong consumer tech company with meaningful product ownership
Fintech or payments experience
Excitement about AI-native development workflows

Responsibilities

Design and ship backend systems that power Zed’s banking and financial automation products
Own features end-to-end — architecture, implementation, deployment, and monitoring
Collaborate closely with product, design, operations, and leadership
Contribute to our Rust-based backend (prior Rust experience is a plus, not required)
Help shape engineering standards, architecture decisions, and culture as we scale