Software Engineer who leverages strong backend (C#) development expertise to design scalable, secure, and high-performance systems
Possesses the ability to collaborate closely with cross-functional teams to drive data-driven solutions that optimize payments and transaction volume in a fast-paced, agile environment
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 function and put your name to solving fascinating challenges at scale in an agile, test-driven development environment. If you value good domain-driven design and enjoy delivering quality work at pace, you’ll be a great fit with the squads responsible for building cloud-native software applications that serve millions of customers and process billions of dollars in payments.

At Zip, we’re building fairer, more flexible ways for people to pay. As a Software Engineer on our Purchasing team, you’ll work on the systems that power how customers initiate Zip payment plans - by issuing and managing virtual cards through our integrations with card issuers.

You’ll help build and evolve the services that handle virtual card lifecycle management, including issuance, balance tracking, transaction flows, and settlement. This work sits at the heart of our payment infrastructure and plays a critical role in how Zip funds and processes purchases.

Interesting problems you’ll get to solve

Support complex payment flows like pre-orders and backorders, where funding and fulfillment can be decoupled or delayed
Handling real-world edge cases in transaction processing, such as blind refunds, over-captures, and disputing transactions
Working with incremental authorizations (e.g., same transaction is updated with a higher amount) and partial authorizations (such as gas stations)
Building systems that handle time-sensitive authorization flows, where speed and reliability are critical to customer experience
Contribute to the development, support, and optimization of engineering solutions to reduce complexity and improve system performance
Help foster a high-performance culture by sharing knowledge and promoting best practices within the team
Assist in coaching junior engineers/colleagues on engineering best practices and improving code quality
Collaborate with cross-functional teams (product management, risk, data) to deliver solutions that reduce fraud losses and enhance transaction volume efficiency
Work with a modern cloud-based, event-driven microservice architecture, gaining experience in scaling and maintaining systems
Develop secure, scalable code that supports thousands of concurrent users while ensuring high reliability and performance
Support digital wallet integrations, enabling customers to add virtual cards to their wallet for in-store purchases
Contribute to quick iterations and troubleshooting in a collaborative, team-focused environment
Contribute to architectural discussions with the use of system design fundamentals.
Engage in a blameless culture, focusing on continuous improvement through process and technology enhancements
Participate in planning sessions, contribute to feature design, and provide input during daily stand-ups to ensure smooth project delivery
Work in a dynamic, fast-paced environment where priorities may shift frequently; adapt and respond to changes while maintaining productivity
Help create and maintain a positive, inclusive team culture that aligns with the company’s mission, vision, and values
Evolve our platform to support new issuer integrations and more card capabilities over time

What You’ll Bring To The Team

You have 5+ years of demonstrated professional experience in the backend software engineering space
Bachelor’s degree in Computer Science or a related field
Proven experience in building scalable, reliable and secure applications using C# and the .NET ecosystem, with a strong emphasis on architectural patterns such as event sourcing, domain driven design and microservices.
Hands-on experience designing, building, and scaling applications on Microsoft Azure (ideally in an enterprise or high-volume environment).
Familiarity with Azure services such as Cosmos DB, Service Bus, App Configuration, and Key Vault.
Hands-on experience with Azure functions in a production environment - you understand how to build, deploy, and monitor serverless workflows as part of a distributed system
Exposure to payment systems or transaction processing, such as working with card networks, issuers, payment gateways, or similar financial flows
Proactive with a focus on getting things done, strong attention to detail and ability to produce high quality work within set deadlines
Experience contributing to the migration of large-scale internal processes, helping to streamline operations and improve system efficiency during transitions.
Familiarity with relational database design and development, with hands-on experience in creating and optimizing schemas, writing efficient queries, and ensuring data integrity. Using CQRS is a plus.
Demonstrated use of AI in the performance of your role.
Our values in your DNA: 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
20 days PTO every year
Generous paid parental leave
Leading family support policies
100% employer covered insurance
Learning and wellness subscription stipend
Company-sponsored 401k match

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 $125,000- $140,000 USD This range reflects our US national compensation (USN). Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.

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 and authorize Zip to process your data subject to those terms. _Zip participates in the federal government’s E-Verify program

_Before you apply, give Zip a try -> rebrand.ly/check-zip-out