Z

Zip

Interest-free BNPL payments provider internationally

Technical Delivery Manager

Full-Time
$146k - $160k+ Bonus + Equity awards
Senior
Remote in USA
Remote
Project & Program ManagementProgram Management

About the job

Requirements
  • Five or more years of experience in technical project leadership or program management within a technology-focused organization.
  • Proven success steering multi-stakeholder technology programs through complex dependency maps.
  • Technical literacy, including a solid grasp of modern integration patterns, application programming interfaces, and agile software lifecycles.
  • Advanced proficiency in Jira, Confluence, and structured execution frameworks.
  • Ability to remain composed and effective while managing risks in rapidly changing environments.
  • Strong communication skills to bridge technical teams and business partners.
  • Ability to build trust and maintain forward motion when teams have conflicting priorities.
  • Familiarity with leveraging automation and artificial intelligence to boost personal productivity and team visibility.
  • Track record of supporting technical work through production readiness and successful deployment.
  • Exceptional organizational habits with a constant focus on accountability and team speed.
  • Independence in decision-making and judgment about when to escalate critical blockers.
  • Personal values aligned with how Zip works.
Responsibilities
  • Drive complex technical initiatives from plan through delivery, keeping teams aligned and outcomes on track.
  • Navigate across squads and stakeholders to keep initiatives synchronized and achieve reliable, high-quality results.
  • Own the logistical success of specific programs, maintaining a comprehensive grasp of status, roadblocks, and upcoming milestones.
  • Manage how builds are organized and executed, bringing clarity to complex initiatives and keeping the right contributors engaged.
  • Move between high-level operational strategy and granular technical specifics, distilling complicated data into actionable insights for leadership and focusing on practical outcomes.
  • Orchestrate the full lifecycle of complex initiatives, ensuring teams remain aligned on timelines and core deliverables.
  • Facilitate collaboration between Engineering, Product, and business leads to keep progress visible at all levels.
  • Evaluate and mitigate potential risks, partnering with key stakeholders to develop contingency plans.
  • Spot resource gaps and work with leadership to clear blockers preventing steady progress.
  • Ensure assigned delivery roadmaps satisfy operational and technical benchmarks.
  • Collaborate with cross-functional teams to manage technical dependencies for seamless production launches.
  • Convert complex technical updates into readable status reports highlighting business value and risk.
  • Balance shifting priorities and foster consensus among stakeholders with diverse requirements.
  • Use AI advancements such as Claude and Cursor to refine internal reporting, documentation, and overall output.
  • Manage Jira and Confluence to provide stakeholders with clear tracking and project visibility.
  • Identify and implement process enhancements to improve how teams coordinate and ship work.

About the company

Zip Co provides buy now, pay later (BNPL) services that let people buy things now and pay over time without interest. It operates in markets including Australia, New Zealand, the United Kingdom, the United States, Canada, and Mexico, serving both individual consumers and businesses. Its main products are Zip Pay (for everyday purchases) and Zip Money (for larger expenses). Revenue comes from merchant fees, late fees, and interest on certain products. Zip partners with retailers to offer convenient, transparent payment options that help customers manage their finances, with a focus on simple terms and clear due dates. The company aims to expand globally and grow its market presence by providing flexible, easy-to-use payment solutions that simplify the purchasing process.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Sydney, Australia

Founded

2013

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Simplify's Take

What believers are saying

  • FY26 cash EBTDA reached AU$268.9 million, and FY27 guidance targets AU$340 million.
  • Rally House and InComm expanded Zip into sports retail and gift cards in 2026.
  • UBS disclosed a 5.02% stake on 28 July 2026, validating investor confidence.

What critics are saying

  • Affirm, Klarna, and Block's Afterpay compress margins across Zip's core U.S. BNPL market.
  • Zip shut New Zealand on 17 July 2026, proving smaller geographies cannot sustain growth.
  • Agentic-commerce and EWA launches create fraud, underwriting, and compliance risk if U.S. losses rise.

What makes Zip unique

  • Zip ended FY26 with 6.5 million customers and AU$16.7 billion TTV.
  • Zip US launched Pay in 2, targeting everyday spend and paycheck timing.
  • Zip built proprietary funding with a US$300 million AAA-rated ABS and warehouse facilities.

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Benefits

  • Parental leave - Enjoy up to 20 weeks paid leave and return part-time on a full-time salary for 3 months!
  • Bonus scheme - We give you skin in the game through our various share incentive programs.
  • Family support - We support our ZipFam on their life journey through people policies and programs.
  • Volunteer leave - Use your paid volunteer leave to Zip it forward and create change in your community.
  • Reward & recognition - We love celebrating your wins and giving you the freedom to choose how you're rewarded.
  • Career growth - You'll be given clear progression pathways and transparent coaching so you can truly flourish.

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

2%

2 year growth

2%
Yahoo Finance
Oct 13th, 2026
Zip launches Zip Cash loans of up to $500 as waitlist passes 100,000 customers

Zip Co Limited (ASX: ZIP) plans to launch Zip Cash, a same-day cash loan product for eligible US customers, it announced on October 13, 2026. The product extends Zip's instalment payments beyond checkout. More than 100,000 customers have joined the waitlist, including over 40,000 in the first 72 hours. Eligible customers may borrow up to $500, with funds deposited into their bank account as soon as the same business day. Each loan could carry a flat origination fee, disclosed before acceptance. There is no hard credit inquiry and no compounding fees. Zip Cash will first launch to select customers in eligible states during the 2026 holiday season, with wider availability to follow. "Not every expense occurs at checkout," said Joe Heck, US chief executive officer of Zip.

Yahoo Finance
Oct 8th, 2026
Zip US partners with Google Cloud to build AI-native product factory with Gemini Enterprise

Zip US has partnered with Google Cloud to build an AI-Native Product Factory using Gemini Enterprise, aiming to transform how the company develops financial products. The factory will connect research, design, engineering, risk, legal, compliance, and customer experience teams through a shared agentic environment, enabling parallel work rather than sequential handoffs. The initiative represents a shift from using AI to augment work to reimagining the entire product-development lifecycle. Zip's AI assistant, Zia, will also be powered by Gemini Enterprise, evolving from a support tool to an agentic experience embedded in products. "The next competitive advantage in consumer finance will come from the ability to turn insights into trusted products faster than conventional operating models allow," said Joe Heck, CEO of Zip US.

Yahoo Finance
Sep 11th, 2026
Zip explores earned wage access service launch in US by 2027

Australian buy now, pay later company Zip is considering launching an earned wage access service in the US during the first half of 2027. The company reported net income of AU$116 million for fiscal 2026, up 46% year-on-year, with 76% of its AU$16.7 billion transaction volume coming from the US market. Zip is exploring both employer-based and direct-to-consumer EWA approaches. Nearly half of Zip's customers have already used earned wage access or cash-advance products, according to US CEO Joe Heck. The company faces competition from larger rivals including Affirm Holdings, Block's Afterpay, and Klarna. Zip is winding down New Zealand operations to focus on Australia and the US, and considering a US stock listing alongside its Australian listing.

TipRanks
Aug 25th, 2026
Zip Co launches US$300m AAA-rated ABS to bolster U.S. growth - TipRanks.com

Zip Co Ltd. ( ($AU:ZIP) ) has issued an update. Zip Co Limited has strengthened its U.S. funding platform with the pricing of a new two-year US$300 million securiti...

Yahoo Finance
Aug 20th, 2026
Zip shares jump 17% as FY26 profit climbs 46% to $116M and FY27 EBTDA guidance hits $340M

Zip Co shares jumped 17% to $2.97 after the buy now, pay later company reported a 46% rise in statutory profit to $116.4 million for the year ended 30 June. Cash earnings before tax, depreciation and amortisation reached a record $268.9 million, up 58% on the prior year. The company guided to cash EBTDA of $340 million for FY27, representing 26% year-on-year growth. Total transaction volume increased 23% to $16.7 billion, with US transaction volume rising 42.5% in US dollar terms. Zip announced a $50 million on-market share buyback for FY27 and is considering a potential dual listing in the US alongside a share consolidation, subject to shareholder approval.