* A full-stack engineer with deep technical fluency and a passion for experimentation, innovation, and problem-solving in a fast-moving environment * An engineering explorer who thrives on building prototypes, testing hypotheses, and bringing bold ideas to life, fast * This is a remote-first opportunity for U.S.-based employees, with the option to work in-person out of our Manhattan office Start Your Adventure with Zip Engineering Join Innovation Labs, Zip's internal innovation lab, where we focus on long-term exploration, rapid experimentation, and new product incubation. This team works outside the boundaries of our core roadmaps to test the viability of emerging opportunities and technologies. As a Software Engineer II in Zip Innovation Labs, you will partner across disciplines to build and iterate on forward-looking prototypes, cutting-edge tools, and MVPs that challenge assumptions and unlock future business value. You'll work in a fast-paced, agile environment that values speed, curiosity, and calculated risk-taking, all while adhering to Zip's engineering quality standards. If you're energized by greenfield opportunities, eager to experiment, and want to leave your mark on the future of fintech-this is the role for you. Interesting Problems You'll Get to Solve * Design, develop, and deliver well-tested, maintainable code for early-stage products and experiments that may one day reshape our core offerings * Embrace a fail-fast mindset-build quickly, validate continuously, and pivot based on learning and evidence * Collaborate across teams and domains to align technical innovation with strategic business priorities * Build MVPs with modern full-stack technologies, including .NET Core, React, and mobile platforms (React Native, iOS, Android) * Stay ahead of fintech trends and emerging technologies, proactively bringing new ideas and tools into the lab * Apply TDD, modern CI/CD practices, and architectural patterns like microservices, event sourcing, and CQRS to create scalable, production-ready experiments * Resolve real-world problems and edge cases uncovered during testing and prototyping-making sure promising solutions are ready to scale * Share insights, proof points, and demos that influence broader product and engineering decisions across ZIP * Champion a blameless, collaborative culture where we learn from every outcome and continuously evolve What You'll Bring to the Team Essential: * 5+ years of experience as a software engineer in agile, cloud-native environments * 2+ years of mobile platforms (iOS, Android, or React Native) * Proficiency in .NET Core for backend development * Experience with React JS for modern web interfaces * Familiarity with cloud infrastructure and services (e.g., Azure, AWS, GCP) * Strong understanding of RESTful API design and best practices * Experience with Test-Driven Development (TDD) * Experience with utilizing AI to generate code Desired: * Background in building distributed systems and microservice architectures * Experience with Infrastructure as Code (IaC), CI/CD pipelines, Docker, and container orchestration * Knowledge of event-based architectures, including event sourcing * Familiarity with CQRS, Domain-Driven Design (DDD), and EventStore DB * A growth mindset and genuine interest in exploring new ways to solve complex problems What you'll get in return Zip is a place where you'll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you'll feel empowered and trusted to make big things happen quickly. We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it's important to us that you make the most of the opportunities you'll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back. We think these are just some of the best things about being a Zipster. We will also offer you: * Flexible working culture * Incentive programs * 20 days PTO every year * Generous paid parental leave * Leading family support policies * 100% employer covered insurance * Beautiful Union Square office with a casual dress code * Learning and wellness subscription stipend * Company-sponsored 401k match Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $130,000 - $150,000 USD. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. Be a part of a team that reflects the diversity of our customers We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we're committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience. And finally…get to know us Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We're proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do. I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms Before you apply, give Zip a try -> rebrand.ly/check-zip-out