Zip Co Limited logo
Zip Co Limited

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.

Staff Engineer

EngineerEngineerFull TimeRemoteLeadTeam 1,001-5,000

Location

United States

Posted

26 days ago

Salary

$185K - $210K / year

Seniority

Lead

Job Description

Staff Engineer

Zip Co Limited

Role Description 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. 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 and drive execution on ambiguous, high-impact problems. - Shape the architecture of systems that are critical to our business. - Partner with engineering and product leaders and influence strategic decisions. - Mentor senior engineers while raising the bar for scalability, reliability, and engineering excellence across the organization. - Define and scale 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). Qualifications - 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, staying close to implementation and able to dive into code, services, and infrastructure when needed. - Strong decision-making ability, evaluating tradeoffs and making 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). Requirements - 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. Benefits - 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

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