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Lead/Staff Backend Engineer, Payments Platform

Xero

Salary not specified
Oct 3, 2025
San Mateo County, CA, US • Remote, US
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Xero is making a critical, multi-year investment in its new Payments Platform organization to redefine how millions of small businesses move money, solve complex fintech challenges, and unlock new product lines.

Requirements

  • 8+ Years of software engineering experience, with a proven track record as a Staff / Technical Lead delivering highly available, distributed backend systems at scale.
  • Deep expertise in system architecture, API design, and building high-throughput, reliable services—understanding how to design under the constraints of both new and existing systems.
  • Strong proficiency in at least one modern backend stack (e.g. C a bonus, Java, Golang, C++) and experience with cloud-native platforms (AWS a bonus).
  • Experience with both SQL and NoSQL databases.
  • Experience auditing codebases to uphold high standards for security, testability, and maintainability, with the ability to set and guide code design decisions.
  • Experience in payments, fintech, or other highly regulated, compliance-heavy domains (preferred but not required).

Responsibilities

  • Define and build core platform services: Lead the design and development of reliable, scalable, performant, and secure services for Xero’s Payments Platform.
  • Architect the future of payments: Shape the technical foundation for Xero’s money movement capabilities while unlocking new product lines.
  • Stay hands-on: Contribute directly to production code, proof-of-concepts, and technical deep dives.
  • Solve complex problems: Tackle challenging fintech and distributed systems problems with innovative solutions.
  • Drive technical excellence: Set a high bar for reliability, security, and scale through design reviews, mentoring, and best practices.
  • Collaborate cross-functionally: Partner with Product, Security, Risk, and Operations teams to translate complex business needs into resilient engineering solutions.
  • Ensure operational excellence: Lead on-call practices, build robust observability, and champion high-performance, reliable systems.

Other

  • Demonstrated leadership in setting technical direction, solving complex problems, and mentoring senior and junior engineers.
  • Strong collaboration and communication skills, with the ability to work effectively across engineering, product, and operations.
  • Proven ability to break down complex problems into clear, actionable solutions and drive agile execution.
  • Mentor and grow engineers: Act as a role model, coach, and technical leader, fostering a culture of inclusion, collaboration, and excellence.
  • Drive innovation: Encourage experimentation and adoption of new technologies, staying ahead of industry trends to strengthen our platform.