Full-Time

Senior Software Engineer

Backend

Posted on 8/20/2025

Zip

Zip

1,001-5,000 employees

Interest-free BNPL payments provider internationally

No salary listed

Melbourne VIC, Australia

Hybrid

Two team days per week on-site in Melbourne.

Category
Software Engineering (1)
Requirements
  • 6+ years of experience in backend development using C#, .net and microservices.
  • 6+ years of experience in a similar role with expert knowledge of .Net Framework and .Net Core.
  • Proven experience working with cloud based technologies (we use AWS).
  • Experience working in event-driven architecture.
  • An aptitude for identifying and managing risks.
Responsibilities
  • Demonstrate advanced proficiency in coding, problem-solving, and operational excellence.
  • Take full ownership of project timelines and ensure the timely delivery of high-quality projects.
  • Collaborate with cross-functional teams to meet project goals and effectively mentor your peers.
  • Clearly communicate complex technical concepts to both technical and non-technical stakeholders.
  • Identify opportunities for process improvement and implement innovative solutions to tackle complex problems.
Desired Qualifications
  • Knowledge of OAuth 2.0 and OIDC is a nice to have.
  • A mindset that embraces AI and new tools to adapt, learn and grow.

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

Simplify Jobs

Simplify's Take

What believers are saying

  • Q1 FY26 income surged 32.8% to $321.5M; transaction volume jumped 38.7%.
  • $283M Victory Park Capital facility funds US expansion and receivables scaling.
  • GameStop partnership positions Zip as primary BNPL for gaming category.

What critics are saying

  • Afterpay controls 60% US BNPL market share; Zip holds only 5-10%.
  • Net bad debts rose to 1.7% of transaction volume; revenue margins compressed.
  • US State Attorneys General investigation threatens $100M fines and expansion halt.

What makes Zip unique

  • Physical card drives 20% of US volume with 150% YoY growth in in-store transactions.
  • Pay in 2 product targets everyday spending with 95% pilot repurchase intent rate.
  • Serves 100M underserved Americans unable to access traditional credit flexibly.

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

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

0%

1 year growth

0%

2 year growth

0%
The Associated Press
Mar 24th, 2026
IXOPAY and Zip US launch unified trust layer framework for AI-driven commerce

IXOPAY and Zip US have launched the Unified Trust Layer Framework, an open industry initiative addressing trust and liability challenges in AI-initiated commerce. The framework aims to establish identity verification, preserve transaction intent and make trust measurable when AI agents autonomously conduct transactions. The initiative responds to structural shifts in payment systems, which were designed for human-initiated transactions. According to Accenture, 87% of financial institution technology officers believe trust will be the most significant barrier to agentic payments adoption, whilst 78% expect fraud to increase as agentic commerce scales. The framework focuses on three capabilities: agent identity validation, intent capture and preservation, and contextual trust signalling. IXOPAY and Zip are inviting merchants, networks and platforms to help shape the framework's development.

Business Wire
Feb 5th, 2026
Zip launches Pay in 2 option for customers to split purchases into fortnightly instalments

Zip, a digital financial services company, has launched Pay in 2, a new payment option allowing US customers to split purchases into two instalments over two weeks. The product complements Zip's existing Pay in 4 offering, targeting everyday spending within a single billing cycle. The launch follows a pilot programme where 95% of participants said they would use Pay in 2 again, primarily for groceries and bills. The shorter payment window is designed to help customers manage cash flow between paychecks. From 9-15 February, the first 100 daily customers using Pay in 2 will receive one year of no origination fees on subsequent orders. Loans are originated by WebBank and subject to credit approval. Zip operates in Australia, New Zealand and the United States, serving millions of customers across tens of thousands of merchants.

Payments Dive
Dec 19th, 2025
Zip secures $283M credit line from Victory Park Capital for US expansion

Buy now, pay later company Zip has secured a $283 million warehouse facility from Victory Park Capital to support its US expansion. The two-year deal, facilitated with Atlas SP Partners, will back Zip's US BNPL receivables and help scale its funding capacity. Chicago-based Victory Park, a majority-owned affiliate of Janus Henderson Group, has been a long-time funder of the Australian-founded company over the past decade. Zip has also received equity investments, including $100 million from Y Combinator, CRV and Tiger Global in 2023. The funding comes as Zip shows strong growth, with fiscal first-quarter total income surging 32.8% to $321.5 million and transaction volume jumping 38.7% to $3.9 billion. The company is expanding beyond fashion into everyday purchases through partnerships with merchants like Valvoline and Best Buy.

Longbridge
Dec 15th, 2025
Zip Co. Secures $283 Million Warehouse Facility from Victory Park Capital and ATLAS SP Partners

Zip Co. Ltd. has secured a US$283 million warehouse facility in partnership with Victory Park Capital and ATLAS SP Partners to finance its U.S. Buy Now, Pay Later receivables. This two-year facility aims to enhance Zip's funding capacity and scalability in the U.S. market, marking the fourth major financing agreement with VPC since 2015. The facility supports Zip's business expansion and strengthens its U.S. capital management strategy.

TS2.tech
Dec 9th, 2025
Zip Co ramps up $100M buyback, files for US dual listing amid regulatory inquiry

Zip Co shares traded around A$3.15-3.20 on 9 December 2025, stabilising after a sharp pullback that saw the stock fall roughly 20-30% over the past month. The Australian buy now, pay later company disclosed it has now repurchased 32.3 million shares for over A$92 million under its expanded A$100 million buyback programme, which was doubled from A$50 million in October. The company is navigating several key developments simultaneously. It submitted a confidential draft registration statement to the SEC for a potential US dual listing, likely on Nasdaq. However, regulatory concerns emerged as US State Attorneys General issued a voluntary information request, though analysts at Jefferies expect minimal impact. Zip's turnaround continues, with FY2025 revenue reaching A$1.07 billion and net profit of A$79.9 million. Analysts maintain a consensus "buy" rating with an average 12-month price target of A$5.10.

INACTIVE