Staff Engineer at Zip Co Limited

United States

$185k - $210k

Own the architecture and evolution of Zip’s real-time money movement and payments platform, powering millions of transactions. Lead cross-team technical direction across distributed systems while embedding AI into engineering workflows and product capabilities. Remote-first role for US-based engineers, with optional collaboration from our NYC office. Start your adventure with Zip At Zip, engineers own systems that move real money. 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. We are seeking a highly experienced and technically strong Staff Engineer to lead complex, cross-domain initiatives across our platform. In this role, you will set technical direction, drive execution on ambiguous, high-impact problems, and shape the architecture of systems that are critical to our business. This is a hands-on leadership role where you will partner with engineering and product leaders, influence strategic decisions, and mentor senior engineers while raising the bar for scalability, reliability, and engineering excellence across the organization. You will also play a key role in defining and scaling how AI is used across engineering, driving measurable improvements in developer productivity, system quality, and delivery speed. Interesting problems you’ll get to solve Design systems that ensure safe, reliable money movement at scale across distributed services. Define and evolve platform patterns for event-driven architectures and cross-team system design. Lead ambiguous, high-impact initiatives from concept to production across multiple teams. Balance speed and long-term platform health in critical financial systems. Define and standardize AI-assisted engineering patterns (e.g., code generation, testing, debugging, incident analysis) that can be adopted across teams. Raise the bar for system reliability, performance, and developer experience across the organization. Build systems that ensure financial correctness under failure conditions, including retries, duplication, and reconciliation scenarios. Drive adoption of AI across teams by coaching engineers, establishing best practices, and ensuring responsible and effective usage. Identify and deliver AI-driven efficiencies, reducing development cycle time, improving code quality, and accelerating incident resolution. Partner with platform and tooling teams to integrate AI capabilities into the developer ecosystem (CI/CD, observability, IDEs, internal tools). What you’ll bring to the team 12+ years of experience building and operating distributed backend systems in modern engineering environments. Strong experience in payments, fintech, or other correctness-critical systems such as settlement, reconciliation, or transaction processing. Proven track record of leveraging AI to improve engineering outcomes, including personal productivity and enabling team-wide adoption at scale. Experience leading complex, cross-team initiatives and driving technical direction across multiple systems. Deep expertise in system design, including event-driven architectures, microservices, and high-availability systems. Hands-on engineering mindset. You stay close to implementation and can dive into code, services, and infrastructure when needed. Strong decision-making ability. You can evaluate tradeoffs and make clear technical calls in ambiguous situations. Experience mentoring senior engineers and raising engineering standards across teams. Experience working with cloud platforms such as Azure or AWS, and backend technologies like C#/.NET or similar. Experience evaluating and selecting AI tools, models, and workflows with an understanding of tradeoffs (cost, latency, accuracy, safety). Ability to define metrics and measure the impact of AI adoption (e.g., developer velocity, code quality, cycle time, incident reduction). Clear alignment with Zip’s core values Nice to have Experience building and scaling systems in fintech or other highly regulated environments, such as payments, lending, banking, settlement, reconciliation, fraud, risk, or transaction processing. Experience working in AI-forward, high-scale engineering environments where teams are building at the edge of modern cloud, distributed systems, developer productivity, or applied AI. Hands-on experience building production-grade AI capabilities beyond prompt engineering, such as AI agents, agent orchestration frameworks, retrieval-augmented generation, model evaluation pipelines, workflow automation, or AI-powered internal platforms. Experience architecting agentic AI systems that safely interact with internal tools, APIs, business workflows, and human-in-the-loop approval processes. Experience defining responsible AI governance patterns, including data access controls, model/tool selection standards, evaluation frameworks, observability, cost management, auditability, and risk controls. Experience partnering with business, product, risk, compliance, security, legal, or operations leaders to translate ambiguous strategic problems into scalable technical solutions. Experience building AI-enabled engineering platforms that improve developer velocity, code quality, testing, debugging, incident response, observability, or release confidence. Familiarity with modern AI/ML infrastructure, including model serving, fine-tuning, embeddings, vector search, distributed training, inference optimization, model evaluation, or experimentation platforms. Experience with cloud-based AI/ML services and frameworks such as AWS Bedrock, SageMaker, Azure AI, OpenAI, Anthropic, Databricks, LangChain, LlamaIndex, or similar technologies. Demonstrated ability to operate as a hands-on technical leader who can set strategy across teams, prototype emerging technologies, and raise the bar for engineering excellence. 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 Unlimited PTO Generous paid parental leave Leading family support policies Company-sponsored 401k match Learning and wellness subscription stipend Beautiful Union Square office with a casual dress code Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available 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 $185,000-$210,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject 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. 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 We are a proud 2025 Circle Back initiative employer and will respond to every applicant.