Software Engineer (Purchasing)

• Software Engineer who leverages strong backend (C#) development expertise to design scalable, secure, and high-performance systems
• Possesses the ability to collaborate closely with cross-functional teams to drive data-driven solutions that optimize payments and transaction volume in a fast-paced, agile environment
• 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 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. 

At Zip, we’re building fairer, more flexible ways for people to pay.  As a Software Engineer on our Purchasing team, you’ll work on the systems that power how customers initiate Zip payment plans - by issuing and managing virtual cards through our integrations with card issuers.

You’ll help build and evolve the services that handle virtual card lifecycle management, including issuance, balance tracking, transaction flows, and settlement.  This work sits at the heart of our payment infrastructure and plays a critical role in how Zip funds and processes purchases.

Interesting problems you’ll get to solve

• Support complex payment flows like pre-orders and backorders, where funding and fulfillment can be decoupled or delayed
• Handling real-world edge cases in transaction processing, such as blind refunds, over-captures, and disputing transactions
• Working with incremental authorizations (e.g., same transaction is updated with a higher amount) and partial authorizations (such as gas stations)
• Building systems that handle time-sensitive authorization flows, where speed and reliability are critical to customer experience
• Contribute to the development, support, and optimization of engineering solutions to reduce complexity and improve system performance
• Help foster a high-performance culture by sharing knowledge and promoting best practices within the team
• Assist in coaching junior engineers/colleagues on engineering best practices and improving code quality
• Collaborate with cross-functional teams (product management, risk, data) to deliver solutions that reduce fraud losses and enhance transaction volume efficiency
• Work with a modern cloud-based, event-driven microservice architecture, gaining experience in scaling and maintaining systems
• Develop secure, scalable code that supports thousands of concurrent users while ensuring high reliability and performance
• Support digital wallet integrations, enabling customers to add virtual cards to their wallet for in-store purchases
• Contribute to quick iterations and troubleshooting in a collaborative, team-focused environment
• Contribute to architectural discussions with the use of system design fundamentals.
• Engage in a blameless culture, focusing on continuous improvement through process and technology enhancements
• Participate in planning sessions, contribute to feature design, and provide input during daily stand-ups to ensure smooth project delivery
• Work in a dynamic, fast-paced environment where priorities may shift frequently; adapt and respond to changes while maintaining productivity
• Help create and maintain a positive, inclusive team culture that aligns with the company’s mission, vision, and values
• Evolve our platform to support new issuer integrations and more card capabilities over time

What you’ll bring to the team 

• You have 5+ years of demonstrated professional experience in the backend software engineering space 
• Bachelor’s degree in Computer Science or a related field
• Proven experience in building scalable, reliable and secure applications using C# and the .NET ecosystem, with a strong emphasis on architectural patterns such as event sourcing, domain driven design and microservices.
• Hands-on experience designing, building, and scaling applications on Microsoft Azure (ideally in an enterprise or high-volume environment).
• Familiarity with Azure services such as Cosmos DB, Service Bus, App Configuration, and Key Vault.
• Hands-on experience with Azure functions in a production environment - you understand how to build, deploy, and monitor serverless workflows as part of a distributed system
• Exposu