• Experienced backend engineer with a strong track record of building secure, scalable systems in cloud-native environments, using languages such as Java, C#, Go, or Python to support regulatory compliance and rewards functionality.
• A collaborative problem-solver who thrives in agile teams, partners effectively with Compliance, Legal, Product, and Data stakeholders, and actively contributes to engineering best practices, mentorship, and continuous improvement.
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

Join Zip’s Engineering team and take ownership of solving fascinating, large-scale challenges in a fast-paced, agile, test-driven environment. If you’re passionate about domain-driven design, value clean code, and are energized by delivering high-quality work, you’ll thrive in a squad building cloud-native software applications that serve millions of global users and process billions in transactions.

As a Software Engineer on the Compliance and Rewards team, you’ll play a critical role in developing secure, scalable systems that ensure regulatory compliance and deliver customer-centric reward experiences at scale. You’ll collaborate closely with Compliance, Legal, Product, and Data partners to create solutions that enhance governance and reward functionality without compromising agility. Your strong backend development skills and a sharp focus on execution will be key to Zip’s continued growth and integrity.

Interesting problems you’ll get to solve

• Design, build, support, and optimize scalable systems that enforce compliance standards and power reward mechanisms across global markets.
• Collaborate with stakeholders in Compliance, Risk, Legal, and Product to implement features that meet both regulatory needs and business goals.
• Contribute to a high-performance team culture by sharing knowledge, performing code reviews, and championing engineering best practices.
• Work on complex backend services within a modern cloud-native, event-driven microservices architecture.
• Deliver secure, scalable, and resilient systems with high availability and performance for mission-critical compliance and rewards features.
• Mentor junior engineers and contribute to knowledge sharing across engineering domains.
• Engage in fast-paced iteration cycles with an emphasis on adaptability, productivity, and continuous learning.
• Take advantage of AI tooling to improve development workflows, automate repetitive tasks, and accelerate delivery.
• Participate in agile ceremonies, contribute to planning and feature design, and ensure smooth project delivery through daily collaboration.
• Help shape a strong, inclusive engineering culture aligned with Zip’s mission, vision, and values.

What you’ll bring to the team

• 5+ years of professional experience in backend software engineering, with expertise in scalable, secure system development.
• Bachelor’s degree in Computer Science, Engineering, or related field.
• Experience with C#, Java, JavaScript, Python, Go, or similar languages in production environments.
• Demonstrated success in building high-availability, high-uptime systems that support critical business operations.
• Strong familiarity with relational database design, schema optimization, query tuning, and data integrity enforcement.
• Experience contributing to the modernization or migration of large-scale systems, with a focus on compliance or regulated domains a plus.
• Proven ability to collaborate in high-performing engineering teams, using agile methods and best-in-class DevOps practices.
• Proactive, execution-oriented mindset with a strong attention to detail and delivery.
• Enthusiasm for exploring and applying AI tools to drive innovation and enhance engineering productivity.
• Deep alignment with Zip’s values: Customer First, Own It, Stronger Together, and Change the Game.

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
• 20 days PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Union Square office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

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 $125,000 - $140,000 USD. This range reflects our US national compensation (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 equity 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