---
title: 'Senior Software Engineer, Backend at Zip Co Limited'
canonical: 'https://feeny.ai/job/senior-software-engineer-backend-zip-co-limited-united-states-t3qgjnysh39v'
type: 'job'
last_seen: '2026-09-20'
---

# Senior Software Engineer, Backend at Zip Co Limited

- **Company:** Zip Co Limited
- **Location:** United States
- **Posted:** 2026-09-15
- **Last confirmed live:** 2026-09-20
- **Apply:** https://job-boards.greenhouse.io/zipcolimited/jobs/4711139006

## Job description

- 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.

Interesting Problems You’ll Get to Solve

- 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.

## What You’ll Bring to the Team

- 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.

## What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

- 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

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $150,000 - $175,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.

*Please note that visa sponsorship is not available for this position.

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our [Zip Applicant and Candidate Privacy Notice](https://zip.co/careers/us-candidate-privacy-notice) and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote

[Before you apply, give Zip a try   -> rebrand.ly/check-zip-out](https://rebrand.ly/check-zip-out)

https://rebrand.ly/check-zip-out

## About Zip Co Limited

## Company Overview
- **One-liner**: Zip Co Limited is a digital financial services company that provides point-of-sale credit and digital payment solutions, connecting millions of consumers with tens of thousands of merchants across Australia, New Zealand, and the United States.
- **Entity Type**: Public (ASX: ZIP), listed in 2015
- **Headquarters**: Sydney, Australia
- **Founded**: 2013
- **Founders**: Not publicly listed on the company’s official site (founded in Australia)

## Core Business
- **Primary industry**: Digital financial services / Buy Now, Pay Later (BNPL) / Point-of-sale lending
- **Target customers**: B2B (merchants) and B2C (consumers); serves both enterprise and SMB merchants
- **Mission / purpose**: “Unlock financial potential, together” – providing fair, flexible, and transparent payment options that help customers take control of their financial future and merchants grow their businesses.

## Products & Services
- **Zip Pay / Zip Money (ANZ)**: Consumer credit products allowing installment payments at checkout (SaaS / financial service)
- **Quadpay (US)**: Similar point-of-sale installment payment service for US consumers and merchants
- **Global payment platform**: Connects 6.3 million active customers with 85.5 thousand merchants across two core markets; also offers a product overview presentation and a Stripe US partnership [zip.co](https://zip.co/investors)

## Market Standing
- **Market Cap**: ~$3.6 billion AUD (as of early July 2025) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
- **Key Metric (Public)**: FY25 Total Income of $1,081.1 million; Transaction Volume (TTV) of $13.1 billion; Cash EBTDA of $170.3 million (up 147.0% YoY); Operating Margin of 15.8%; Net bad debts as a percentage of TTV at 3.9% [zip.co](https://zip.co/investors)
- **Notable Investors / Partners**: Listed on ASX; strategic partner includes Stripe (US partnership); no specific lead investors cited for private rounds as it is public
- **Growth Signals**: Strong operating leverage (margin improving to 15.8%), 30.3% TTV growth, focus on AI and agentic commerce; headcount of 763 (down 4.1% YoY, indicating efficiency focus) [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life) [zip.co](https://zip.co/investors)

## Competitive Advantages
- **Global BNPL platform** with a sizable, loyal customer base (6.3M active) and merchant network (85.5K)
- **Brand recognition** in two core markets (ANZ and US) with a localised product suite
- **Technology partnerships** (e.g., Stripe) that extend reach and reduce integration friction
- **Focus on responsible lending** and transparent pricing, differentiating from less regulated competitors

## Strategic Focus
- Deepening AI capabilities: actively hiring for Principal Engineer, Generative & Agentic AI and Group Product Manager, AI (Products) [zip.co](https://zip.co/careers/roles)
- Driving profitability: operating margin turned positive (15.8%) and Cash EBTDA surged 147% in FY25
- Expanding merchant and customer base through partnerships and product innovation (e.g., agentic commerce)
- Efficiency improvements, as reflected in a leaner headcount while revenue grows

## Why Work Here
- **Culture**: Values-led – Customer First, Own It, Stronger Together, Change the Game. Emphasis on connection, mentorship, and career growth.
- **Work model**: ANZ follows a hybrid model (in-office + remote); US team is mostly remote; work-from-anywhere policy (up to 4 weeks/year globally) [zip.co](https://zip.co/careers)
- **Benefits** (vary by location): Up to 16 weeks paid primary caregiver leave, short-term incentive (STI) awards, wellbeing allowance, quarterly wellbeing days, 25 days annual leave (ANZ) / unlimited PTO (US), professional development leave, fee-free Zip products, and mental health support via Sonder, Talkspace, etc. [zip.co](https://zip.co/careers)
- **Diversity**: Gender equality targets – 40% women, 40% men, 20% any gender across the workforce
- **Hiring process**: Four-phase process (talent screen, functional interview, leadership & values interview, take-home challenge) typically completed in 2–4 weeks [zip.co](https://zip.co/careers)

## Sources
1. [zip.co](https://zip.co/about-us)
2. [zip.co](https://zip.co/careers)
3. [zip.co](https://zip.co/investors)
4. [linkedin.com](https://www.linkedin.com/company/zip-co-limited/life)
5. [zip.co](https://zip.co/careers/roles)

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