Senior Software Engineer I (Payments)



  • Backend Engineer with proven experience working in a microservices and event-driven architecture utilizing C#/.Net or similar technologies 
  • Senior Developer with a passion for solving complex problems and a commitment to delivering high-quality work
  • 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. 

Zipsters in our Payments squad are responsible for the technology and systems that support the issuance of virtual and physical cards, enabling our customers to spend anywhere with our merchant partners. This is an integral part of our core product offering, and the team's work and close partnership with our Product teams contributes billions of dollars in transactions every year.

Interesting problems you’ll get to solve 

  • Scale our core card issuance programs, including: physical cards, in-store payments (Google and Apple Pay), in-app virtual card issuance and direct merchant integrations utilizing our virtual cards to serve millions of customers while considering the state management of millions of issued cards
  • Collaborate across teams to deliver payment product solutions, including flexible loan installments and exploring AI-driven business processes
  • Integrate with new or existing issuing partners to improve the resiliency of our systems
  • Think and conceive ideas on how to manage internal and external token credentials that enables our team to reduce our processing costs and increase our revenue
  • Develop secure code that can scale to handle thousands of concurrent users
  • Contribute to early-stage requirement conversations by assessing/creating trade-offs between different engineering approaches 
  • Mentor and share knowledge with colleagues to level up the team collectively

What you’ll bring to the team 

  • 5+ years of experience working in microservices and event-driven architecture(s)
  • Proficiency with C# and .Net or similar languages and frameworks
  • Familiarity with cloud-native technologies, such as Azure Service Bus (or similar message brokers) and Azure Kubernetes Service (or equivalent)
  • Proficiency in designing and profiling append-only/relational databases
  • Enthusiasm for a fast-paced, collaborative work environment
  • Strong analytical and problem-solving skills
  • The ability to think critically and make data-driven decisions
  • Experience debugging and troubleshooting complex distributed systems
  • Prior experience in the payments/financial industry, especially with card network schemes is highly preferred
  • Experience with CQRS and Event Sourcing, particularly working with EventStore DB is especially desirable
  • Bonus points if you are proficient in advanced modeling techniques like C4 and Domain-Driven Design

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
  • Beautiful Midtown office with a casual dress code
  • Learning and wellness subscription stipend
  • Company-sponsored 401k match

The Pay Range for this position: $135,200- $175,000 USD based on the industry benchmark for position, function, level and Zip's compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. 

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 is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.

We are a proud 2023 Circle Back initiative employer and will respond to every applicant.

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

 Before you apply, give Zip a try

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.

  • United States
  • Full-Time
  • Engineering
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