Senior Backend Engineer (Payments Platform)
Posted
Summary
Designs and builds payment platform capabilities (orchestration, risk/fraud prevention, multi-provider integrations) and a global bill payment product, developing high-throughput backend services on AWS using modern stacks like C#, Java, Golang, or C++.
- In this role, you will help shape the technical foundation for money movement capabilities while unlocking new product lines globally. You will contribute to the design and development of reliable, scalable, performant, and secure services for the platform, ensuring operational excellence and direct business outcomes
- This is a rare chance to join an early-stage initiative, contribute to foundational architectural decisions, and have a visible impact on the future of small businesses. By writing production code and developing proof-of-concepts, you will help solve complex financial technology challenges at a massive scale
- The Payments Platform team is the engine powering money movement across the entire ecosystem, collaborating closely with product, security, risk, and operations
- We are a highly collaborative collective that values technical excellence, inclusion, and continuous innovation. Together, we work cross-functionally to translate complex business needs into resilient engineering solutions that support millions of subscribers
- Designing and building payment platform capabilities, such as orchestration, risk and fraud prevention, and multi-provider integrations
- Building out a global bill payment product to streamline how small businesses manage their cash flow
- Developing core high-throughput platform services using modern backend stacks alongside AWS
- Integrating and leveraging artificial intelligence capabilities to accelerate development workflows and enhance engineering productivity
- Deep understanding of system architecture, API design, and both SQL and NoSQL databases
- Demonstrated ability in breaking down complex problems into clear, actionable solutions while driving agile execution to deliver results
- Proficiency in modern backend stacks such as C#, Java, Golang, or C++, alongside cloud-native platforms like AWS
- Passion for staying hands-on by contributing directly to production code, proof-of-concepts, and technical deep dives
- Strong collaborative skills with a desire to mentor fellow team members, share technical knowledge, and foster an inclusive culture
- A proven track record of delivering highly available, distributed backend systems and high-throughput services under real-world constraints
- Apply even if your experience isn’t a perfect match! At Xero, we hire based on your skills, passion, and the unique perspective you can bring to enhance our culture and team