Senior Software Engineer, Backend

Zip Co Limited

22d • $150,000 - $175,000 • Remote

About The Position

Build the payments infrastructure that enables Zip customers to transact securely and seamlessly at scale. Bring deep backend and payments expertise, strong technical ownership, and practical AI fluency to solve complex engineering challenges. Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office. Start your adventure with Zip. Join Zip’s Engineering team and help build the payments infrastructure that powers how our customers transact. As a Senior Software Engineer, you’ll design and build the systems behind card issuing, transaction processing, and settlement across Zip’s physical and virtual card experiences. You’ll work across our payments ecosystem, including integrations with Stripe Issuing and banking partners, building reliable services that support high volumes of transactions and mission-critical financial workflows. This is a hands-on builder role where you’ll own complex technical problems from design through production, contribute to architectural direction, and partner closely with Product, Engineering and Infrastructure. You’ll also use AI throughout the software development lifecycle to improve engineering quality, speed and problem-solving, while identifying new opportunities to apply AI responsibly across engineering workflows.

Requirements

• Bachelor's degree in Computer Science, Software Engineering, or a related field, or equivalent practical experience. A graduate degree is a plus.
• 10+ years of software engineering experience designing, building, testing, and maintaining complex production systems.
• Deep experience with .NET/C#, Azure Cloud Services, and distributed backend systems.
• Experience designing systems using Domain-Driven Design (DDD), CQRS and event-driven architectures.
• Experience building payment infrastructure, card issuing or transaction processing systems, including platforms such as Stripe Issuing, Marqeta or comparable in-house solutions.
• Demonstrated ability to independently own complex technical initiatives from architecture and design through production delivery.
• Strong understanding of reliability, observability, automated testing, system performance and production incident management.
• Experience navigating the security, compliance, and operational considerations involved in building mission-critical financial systems.
• Proven ability to influence technical decisions and partner effectively across Engineering, Product and other technical and business teams.
• Experience mentoring engineers and strengthening engineering practices through code reviews, pairing and knowledge sharing.
• Proven experience leveraging AI-assisted development tools across coding, testing, debugging and technical problem-solving to improve software quality, developer productivity and delivery speed.
• Ability to evaluate and apply emerging AI capabilities to engineering workflows, using sound judgment to ensure quality, security and maintainability.
• A high-ownership, collaborative approach aligned with Zip’s values: Customer First, Own It, Stronger Together and Change the Game.

Responsibilities

• Build and evolve scalable card issuing, transaction processing and settlement systems that power critical Zip customer experiences.
• Design reliable integrations across Stripe, banking partners and Zip’s internal platforms, ensuring transactions move securely and accurately at scale.
• Own complex technical initiatives from design through production, making thoughtful tradeoffs across customer experience, reliability, security and delivery speed.
• Contribute to the architecture of event-driven, distributed backend systems using .NET, C#, Azure, DDD and CQRS.
• Build resilient payment systems that operate effectively within evolving regulatory, compliance and risk requirements.
• Improve the reliability, observability and performance of production systems, identifying issues early and strengthening how Zip responds when they occur.
• Partner with Product, Engineering and Infrastructure to navigate technical tradeoffs, de-risk unknowns and deliver solutions that support customer and business outcomes.
• Raise engineering quality through thoughtful design and code reviews, automated testing, monitoring and strong development practices.
• Leverage AI-assisted development throughout the software lifecycle to accelerate delivery, improve code quality and strengthen testing, debugging and technical problem-solving.
• Explore practical applications of emerging AI capabilities to improve engineering workflows, automate repetitive work and help the team build more effectively.
• Mentor and support engineers through pairing, code reviews, technical guidance and knowledge sharing.

Benefits

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

What This Job Offers

• Job Type: Full-time
• Career Level: Senior