Senior Backend Engineer, Payments & AI (Remote)

Rainfall Ventures; United States; Hybrid; USD 150,000 - 175,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Unlimited PTO

Generous paid parental leave

Leading family support policies

Company-sponsored 401k match

Learning and wellness subscription

Union Square office with casual dress

Zip-covered insurance options

Job summary

Zip is seeking a Senior Software Engineer to design and build the payments infrastructure powering Zip’s card issuing, processing and settlement workflows. You will own complex initiatives, collaborate across Product and Infrastructure, and apply AI throughout the development lifecycle to improve quality and delivery speed.

The role emphasizes independence in architecture and production delivery, with remote-first flexibility for US-based employees and optional in-person work at the Manhattan

Qualifications

• Bachelor's degree in Computer Science, Software Engineering, or related field, or equivalent practical experience.
• 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.

Responsibilities

• Design and build the systems behind card issuing, transaction processing, and settlement across Zip’s payment experiences.
• Own complex technical initiatives from design through production, making thoughtful tradeoffs across customer experience, reliability, security and delivery speed.
• Lead architecture discussions for event-driven, distributed backend systems using .NET, C#, Azure, DDD and CQRS.
• Improve the reliability, observability and performance of production systems and respond effectively to incidents.
• Mentor engineers through pairing, code reviews, and knowledge sharing to raise engineering quality.
• Apply AI to accelerate delivery, improve code quality and strengthen testing, debugging and problem-solving.

Skills

Backend design

C#/.NET

Azure

DDD/CQRS

Payments infrastructure

Security/compliance

Reliability/Observability

AI-assisted development

Mentoring

Cross-functional collaboration

Education

Bachelor's degree in CS or related field

Tools

Stripe Issuing

Marqeta

Job description

Zip is seeking a Senior Software Engineer to design and build the payments infrastructure powering Zip’s card issuing, processing and settlement workflows. You will own complex initiatives, collaborate across Product and Infrastructure, and apply AI throughout the development lifecycle to improve quality and delivery speed.

The role emphasizes independence in architecture and production delivery, with remote-first flexibility for US-based employees and optional in-person work at the Manhattan