{"id":944349,"url":"https://alion.io/job/zipcolimited-senior-software-engineer-backend","title":"Senior Software Engineer, Backend","company":{"id":685645,"name":"Zip Co","domain":"zipcolimited.com","url":"https://alion.io/company/zipcolimited","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"B","score":83,"open_postings":3,"ghost_share":0,"stale_share":0.667,"repost_share":0,"time_to_fill_p50_days":58,"computed_at":"2026-11-02T06:13:15Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["United States"],"countries":["US"],"hiring_countries":["US"],"hiring_countries_total":1,"salary":{"min":150000,"max":175000,"currency":"USD","period":"year","gross":null,"usd_annual":175000},"salary_estimate":null,"experience_years_min":10,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[{"name":".NET","optional":false},{"name":"Azure","optional":false},{"name":"C#","optional":false},{"name":"Stripe","optional":false},{"name":"Incident Management","optional":true}],"status":"live","first_seen_at":"2026-09-15T19:48:41Z","employer_posted_date":"2026-10-12","last_verified_at":"2026-11-02T20:22:54Z","board_verified":true,"closed_at":null,"days_open":48,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":48},"description":"Build the payments infrastructure that enables Zip customers to transact securely and seamlessly at scale.\nBring deep backend and payments expertise, strong technical ownership, and practical AI fluency to solve complex engineering challenges.\nRemote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office\nStart your adventure with Zip\nJoin Zip’s Engineering team and help build the payments infrastructure that powers how our customers transact.\nAs 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.\nThis 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.\nInteresting Problems You’ll Get to Solve\nBuild and evolve scalable card issuing, transaction processing and settlement systems that power critical Zip customer experiences.\nDesign reliable integrations across Stripe, banking partners and Zip’s internal platforms, ensuring transactions move securely and accurately at scale.\nOwn complex technical initiatives from design through production, making thoughtful tradeoffs across customer experience, reliability, security and delivery speed.\nContribute to the architecture of event-driven, distributed backend systems using .NET, C#, Azure, DDD and CQRS.\nBuild resilient payment systems that operate effectively within evolving regulatory, compliance and risk requirements.\nImprove the reliability, observability and performance of production systems, identifying issues early and strengthening how Zip responds when they occur.\nPartner with Product, Engineering and Infrastructure to navigate technical tradeoffs, de-risk unknowns and deliver solutions that support customer and business outcomes.\nRaise engineering quality through thoughtful design and code reviews, automated testing, monitoring and strong development practices.\nLeverage AI-assisted development throughout the software lifecycle to accelerate delivery, improve code quality and strengthen testing, debugging and technical problem-solving.\nExplore practical applications of emerging AI capabilities to improve engineering workflows, automate repetitive work and help the team build more effectively.\nMentor and support engineers through pairing, code reviews, technical guidance and knowledge sharing.\nWhat You’ll Bring to the Team\nBachelor's degree in Computer Science, Software Engineering, or a related field, or equivalent practical experience. A graduate degree is a plus.\n10+ years of software engineering experience designing, building, testing, and maintaining complex production systems.\nDeep experience with .NET/C#, Azure Cloud Services, and distributed backend systems.\nExperience designing systems using Domain-Driven Design (DDD), CQRS and event-driven architectures.\nExperience building payment infrastructure, card issuing or transaction processing systems, including platforms such as Stripe Issuing, Marqeta or comparable in-house solutions.\nDemonstrated ability to independently own complex technical initiatives from architecture and design through production delivery.\nStrong understanding of reliability, observability, automated testing, system performance and production incident management.\nExperience navigating the security, compliance, and operational considerations involved in building mission-critical financial systems.\nProven ability to influence technical decisions and partner effectively across Engineering, Product and other technical and business teams.\nExperience mentoring engineers and strengthening engineering practices through code reviews, pairing and knowledge sharing.\nProven experience leveraging AI-assisted development tools across coding, testing, debugging and technical problem-solving to improve software quality, developer productivity and delivery speed.\nAbility to evaluate and apply emerging AI capabilities to engineering workflows, using sound judgment to ensure quality, security and maintainability.\nA high-ownership, collaborative approach aligned with Zip’s values: Customer First, Own It, Stronger Together and Change the Game.\nWhat you’ll get in return\nZip 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. \nWe 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.\nWe think these are just some of the best things about being a Zipster. We will also offer you:\nFlexible working culture\nIncentive programs\nUnlimited PTO\nGenerous paid parental leave\nLeading family support policies\nCompany-sponsored 401k match\nLearning and wellness subscription stipend\nBeautiful Union Square office with a casual dress code\nIndustry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available\nZip 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.\nThe 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.\nSubject 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. \n*Please note that visa sponsorship is not available for this position.\nIf 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.\nBe a part of a team that reflects the diversity of our customers\nWe 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.\nEqually, 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.\nAnd finally…get to know us\nZip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.\nOperating 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.\nI 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. #LI-Remote\nBefore you apply, give Zip a try -> rebrand.ly/check-zip-out","description_format":"text","description_chars":8487,"description_truncated":false,"requirements":{"experience_years_min":10,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Flexible schedule","Parental leave","Unlimited PTO"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-09-15T19:53:12Z"}],"visa":[],"liveness":{"score":61,"band":"ok","label":"Likely open","p_open":1,"p_active":0.819,"p_room":0.75,"age_days":47,"expected_fill_days":58,"reasons":["conf:3","velocity","win:late"],"computed_at":"2026-11-02T06:13:15Z"},"pay":{"stated_usd_annual":175000,"is_top_pay":false},"html_url":"https://alion.io/job/zipcolimited-senior-software-engineer-backend","json_url":"https://alion.io/job/zipcolimited-senior-software-engineer-backend.json","meta":{"generated_at":"2026-11-02T20:41:07Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":28917,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-03T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":685645},"rest":"https://alion.io/mcp/rest/get_company?id=685645"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fzipcolimited-senior-software-engineer-backend"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fzipcolimited-senior-software-engineer-backend"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fzipcolimited-senior-software-engineer-backend"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/zipcolimited-senior-software-engineer-backend\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fzipcolimited-senior-software-engineer-backend"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":944349}},{"tool":"search_jobs","arguments":{"company":"zipcolimited.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":944349},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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