Senior Software Engineer, Backend

Zip Co; United States; Remote; USD 190,000 - 270,000; Full time

Benefits offered by this job

Remote-first in the United States

On-site Manhattan office option

Job summary

Zip Co seeks a senior backend engineer to design and build the backend services behind a consumer payments platform. You will own card issuing, transaction processing, and settlement with end-to-end responsibility across the software lifecycle.

The role is remote-first for US-based employees, with optional on-site work in Manhattan. You will work in .NET/C# on Azure, applying DDD and CQRS patterns, and partner with product, engineering, and infrastructure teams to deliver reliable, scalable

Qualifications

• Significant senior-level backend engineering experience in payments or another high-volume financial domain.
• Deep familiarity with .NET and C# on Azure, plus distributed systems patterns such as domain-driven design and CQRS.
• Strong technical ownership track record, from design through production deployment and operations.
• Experience integrating with payment processors, issuing platforms, or banking partners.

Responsibilities

• Design, build, and evolve scalable card issuing, transaction processing, and settlement systems that handle high transaction volumes.
• Develop reliable integrations with third-party issuing providers and banking partners, ensuring transactions move securely and accurately at scale.
• Contribute to the architecture of event-driven, distributed backend services with thoughtful tradeoffs across customer experience, reliability, security, and delivery speed.
• Build resilient payment services that operate within evolving regulatory, compliance, and risk requirements.
• Improve production reliability, observability, and performance, including monitoring, incident response, and early issue detection.
• Apply AI tools across the software development lifecycle to improve engineering quality, speed, and problem-solving, and identify responsible opportunities to extend AI usage.

Skills

Senior backend engineer

Payments domain

Distributed systems patterns (DDD, CQ"

Tools

.NET

C#

Azure

Event-driven architecture

Job description

Role overview

Design and build the backend services behind a consumer payments platform that powers physical and virtual card experiences. This is a hands-on senior engineering role focused on card issuing, transaction processing, and settlement, with end-to-end ownership of complex technical problems across the software lifecycle. The position is remote-first for US-based employees, with the option to work on-site in a Manhattan office.

Responsibilities

• Design, build, and evolve scalable card issuing, transaction processing, and settlement systems that handle high transaction volumes.
• Develop reliable integrations with third-party issuing providers and banking partners, ensuring transactions move securely and accurately at scale.
• Contribute to the architecture of event-driven, distributed backend services with thoughtful tradeoffs across customer experience, reliability, security, and delivery speed.
• Build resilient payment services that operate within evolving regulatory, compliance, and risk requirements.
• Improve production reliability, observability, and performance, including monitoring, incident response, and early issue detection.
• Apply AI tools across the software development lifecycle to improve engineering quality, speed, and problem-solving, and identify responsible opportunities to extend AI usage.

Requirements

• Significant senior-level backend engineering experience in payments or another high-volume financial domain.
• Deep familiarity with .NET and C# on Azure, plus distributed systems patterns such as domain-driven design and CQRS.
• Strong technical ownership track record, from design through production deployment and operations.
• Experience integrating with payment processors, issuing platforms, or banking partners.
• Practical fluency with AI-assisted engineering workflows.Ability to partner with Product, Engineering, and Infrastructure teams to navigate tradeoffs and de-risk unknowns.

Benefits and work setup

• Remote-first within the United States, with optional in-person work from a Manhattan office.
• Mission-critical financial systems work with direct impact on customer payment experiences.