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Senior Backend Engineer, Payments Platform

Xero

Salary not specified
Oct 2, 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, requiring scalable systems to power payments across Xero's ecosystem.

Requirements

  • 6+ years of software engineering experience, with a proven track record delivering highly available, distributed backend systems at scale.
  • Strong expertise in system design, API development, and building reliable, high-throughput services—balancing trade-offs between new and existing systems.
  • 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.
  • Ability to drive technical design and lead implementation of complex projects end-to-end.
  • Experience mentoring junior engineers and helping raise the technical bar within a team.
  • Commitment to code quality—experience with code reviews, testing practices, and building maintainable systems.

Responsibilities

  • Design and build core services: Contribute to the development of reliable, scalable, performant, and secure services that power Xero’s Payments Platform.
  • Drive technical design: Lead the design and implementation of complex features and projects, ensuring solutions are robust and extensible.
  • Stay hands-on: Write production-quality code, build proof-of-concepts, and participate in design and code reviews.
  • Solve challenging problems: Work on distributed systems, global payment integrations, compliance, and risk-related challenges.
  • Collaborate across teams: Work closely with Product, Security, Risk, and Operations to translate business needs into technical solutions.
  • Mentor teammates: Support the growth of junior engineers by sharing knowledge, providing feedback, and modeling best practices.
  • Champion operational excellence: Contribute to on-call practices, observability, and monitoring to ensure high system reliability.

Other

  • Familiarity with payments, fintech, or other highly regulated, compliance-heavy domains (preferred but not required).
  • Strong problem-solving skills and the ability to work effectively in an agile, collaborative environment.
  • Diversity of people brings diversity of thought, and we like that.
  • Our human-first culture of respect, fairness, and inclusion is what helps Xeros thrive and work and beyond.
  • If you are excited about this role, but your past experience doesn't align perfectly, we encourage you to apply anyway.