Full-Time

Senior Software Development Engineer

Posted on 6/25/2025

Zeta

Zeta

1,001-5,000 employees

Cloud-native payment card issuer platform

No salary listed

Bengaluru, Karnataka, India

In Person

Category
Software Engineering (1)
Required Skills
Java
Requirements
  • Bachelor’s/Master’s degree in engineering (computer science, information systems)
  • 5-8 years of experience building enterprise system
  • Hands-on development experience with Object Oriented Programming (Java is preferred but not compulsory) on a large scale system
  • Understands and showcase ownership of the products
  • Good with concepts of scaling and worked with distributed systems
  • Review and influence new evolving design, architecture, standards and methods with stability, maintainability and scale in mind
  • Identify patterns and provide solutions to class of problems
  • Research, evaluate and socialize new tools, technologies, and techniques to improve the value of the system
  • Be able to multi-task, prioritize and handle dependencies with minimal oversight
Responsibilities
  • Software Development: Actively participate in the design, development, testing, and deployment of high-quality software solutions. Taking ownership of software components/modules and ensure they meet the specified requirements and coding standards. And collaborate with cross-functional teams, including product managers, designers, and other engineers, to deliver robust and scalable software.
  • Technical Leadership: Mentor and guide junior developers, providing technical leadership and expertise. Contribute to the technical direction of the team and provide insights on best practices, emerging technologies, and industry trends. Conduct code reviews to ensure code quality, maintainability, and adherence to coding standards.
  • Architectural Design: Contribute to the design and architecture of software systems, ensuring scalability, performance, and maintainability.
  • Problem Solving: Analyze complex technical problems and propose effective solutions. Troubleshoot and debug issues in a timely manner, collaborating with team members to address challenges.
  • Code Optimization: Identify and implement opportunities for code optimization and performance improvements. Conduct profiling and analysis of existing code to enhance efficiency.
  • Collaboration: Collaborate with cross-functional teams, including product management, quality assurance, and operations, to deliver end-to-end solutions. Communicate effectively with team members and stakeholders, providing updates on progress and addressing concerns.
  • Agile Development: Work in an agile development environment, participating in sprint planning, daily stand-ups, and other agile ceremonies. Contribute to the continuous improvement of development processes.
  • Documentation: Create and maintain technical documentation, including design documents, API documentation, and code comments.
  • Continuous Learning: Stay abreast of industry trends, new technologies, and best practices. Proactively seek opportunities for professional development and skill enhancement.
  • Quality Assurance: Collaborate with quality assurance teams to ensure the delivery of high-quality software. Write unit tests and participate in test-driven development practices

Zeta provides cloud-native, API-connected payment card issuer processing platforms for banks, financial institutions, and fintechs. Its core product, Omni Stack, lets clients launch and manage digital credit, debit, and prepaid card programs through integrated APIs and cloud services. Transactions and card program management are handled via the platform, often with managed services and partner integrations (e.g., Sparrow) to offer comprehensive payment solutions. The company differentiates itself with a fully cloud-native, API-first approach combined with strong regulatory compliance (ISO IEC 27001, PCI DSS 4.0, SOC 2 Type 2), enabling rapid deployment and secure operation of embedded banking and payments. Zeta’s goal is to accelerate the world toward invisible payments by rethinking payment systems from core to edge.

Company Size

1,001-5,000

Company Stage

Late Stage VC

Total Funding

$430M

Headquarters

San Francisco, California

Founded

2015

Simplify Jobs

Simplify's Take

What believers are saying

  • Raised $50M from Optum in 2025, boosting valuation to $2B from $1.15B.
  • Serves 25M accounts, plans 25M more, with $50M+ annual revenue.
  • Digital Credit as a Service launched 2024 processes 2M daily UPI transactions.

What critics are saying

  • Optum builds competing card processing, poaches Zeta customers within 12-24 months.
  • Mastercard integrates issuer processing, bypasses Zeta for issuers in 18-36 months.
  • Profitability target missed by March 2026, collapses investor confidence immediately.

What makes Zeta unique

  • Zeta's Omni Stack enables rapid launch of compliant digital cards and loans.
  • Tachyon platform powers Sparrow's top-rated credit card for underserved since October 2023.
  • Cloud-native API stack supports issuing, fraud, and digital banking apps globally.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Professional Development Budget

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

1%

2 year growth

-2%
Tech in Asia
Oct 14th, 2025
Zeta raises $50M, valuation hits $2B

Zeta, an Indian fintech firm, has raised $50 million from Optum, boosting its valuation to $2 billion, up from $1.15 billion in 2021 when it received $250 million from SoftBank Vision Fund 2. Founded in 2015, Zeta aids banks and fintechs in modernizing services with cloud tech. It serves 25 million accounts, plans to add 25 million more, and aims for profitability by March 2026. The US is its largest market, followed by India, generating over $50 million annually.

VentureCapital.com
Jun 24th, 2025
Acorns Acquires Zeta for Family Finance

Acorns has acquired Zeta, a financial planning platform for couples and families, to enhance its financial wellness offerings across various life stages. This acquisition, which includes Zeta co-founders Kevin Hopkins and Aditi Shekar joining Acorns, marks the company's fifth strategic acquisition in under two years. Existing Zeta customers will gain access to Acorns' financial wellness benefits. Financial terms were not disclosed.

TechCrunch
Feb 11th, 2025
Zeta valued at $2B in new funding | TechCrunch

Zeta, a provider of banking software to banks and fintech startups, has raised $50 million from a strategic investor at a $2 billion valuation. The new Zeta, a provider of banking software to banks and fintech startups, has raised $50 million from a strategic investor at a $2 billion valuation.

Entrackr
Feb 11th, 2025
Zeta secures $50M, valued at $2B

Zeta, a modern banking tech company, has raised $50 million from an undisclosed strategic investor, valuing the company at $2 billion. Zeta became a unicorn in May 2021 with a $250 million Series C round from SoftBank Vision Fund 2. The company also received $30 million from Mastercard in March 2022 at a $1.5 billion valuation. Zeta's Indian entity reported a 9.42% revenue increase to ₹893.12 crore in FY24, with PAT rising 5.4x to ₹119.82 crore.

Business Wire
Mar 7th, 2024
Zeta Powers Sparrow’S Industry-Leading Credit Card For The Underserved

SAN FRANCISCO--(BUSINESS WIRE)--Zeta, a leading provider of next-gen card processing solutions to banks and credit unions, is proud to announce its partnership with Sparrow Financial to power the most modern credit card program in existence for non-prime customers.Sparrow is founded by industry veterans - Evan Feldman and Lisa Sturm - who have spent 30+ years building and managing large-scale credit card portfolios. They embarked on a quest for a modern card processing solution to launch a differentiated card program for underserved Americans. After meticulous evaluation of various card processors, they chose Zeta's Tachyon platform.Evan Feldman, Co-CEO of Sparrow Financial, said: “Sparrow has built the #1 credit card experience for the underserved in every respect, from a seamless application journey and instantaneous underwriting, a user-friendly mobile app, cutting-edge virtual card experience, a hassle-free repayment process, and an operations center that puts the customer first. This achievement has been made possible through the next-gen capabilities and integrated stack of Zeta.”The Sparrow credit card went live in October 2023, leveraging Zeta for card processing, mobile app, servicing, and advanced data & analytics capabilities. And, in under 6 months of launch, it has received glowing reviews for its intuitive and modern experience from customers with consistently high ratings on Credit Karma and mobile app stores, such as:Great card, easy to use app | ⭐⭐⭐⭐⭐“The virtual card is available right away on the app, which was super convenient. Overall the app is really easy to use, especially compared to some of my other cards.”| ⭐⭐⭐⭐⭐ “The virtual card is available right away on the app, which was super convenient

INACTIVE