Zip Co

Full-stack Engineer

• Own the architecture and evolution of Zip’s real-time money movement and payments platform
• Lead cross-team technical direction across distributed systems
• Embed AI into engineering workflows and product capabilities
• Design systems for safe, reliable money movement across distributed services
• Define and evolve platform patterns for event-driven architectures and cross-team system design
• Lead ambiguous, high-impact initiatives from concept to production across multiple teams
• Balance speed and long-term platform health in critical financial systems
• Define and standardize AI-assisted engineering patterns for code generation, testing, debugging, and incident analysis
• Raise system reliability, performance, and developer experience across the organization
• Build systems ensuring financial correctness under failure conditions, including retries, duplication, and reconciliation
• Drive AI adoption by coaching engineers and establishing best practices
• Deliver AI-driven efficiencies to reduce development cycle time, improve code quality, and accelerate incident resolution
• Partner with platform and tooling teams to integrate AI into CI/CD, observability, IDEs, and internal tools
• Partner with engineering and product leaders, influence strategic decisions, and mentor senior engineers

Explore Staff Engineer at Zip Co. Review requirements and application details.

Staff Engineer

Data Scientist

• Own the analytical strategy for Zip’s new product initiatives, serving as the senior analytics partner from early-stage exploration through scaled adoption
• Establish insights, measurement frameworks, and analytical foundations guiding product strategy, investment decisions, risk trade-offs, and sustainable growth
• Define, architect, build, implement, and scale new ML/AI solutions
• Build first-generation models leveraging rich new data sources
• Mentor and partner with junior data scientists
• Independently experiment and iterate using a test-and-learn approach
• Balance short-term business gains with longer-term experimental work
• Own solutions end-to-end and communicate with business stakeholders
• Collaborate with engineering teams to deploy solutions in production
• Design and build AI/ML models leveraging bank transaction data
• Explore open-ended problems in bank transaction data and other sources
• Rapidly experiment, build, and iterate on proofs of concept
• Establish evaluation frameworks and decision criteria for scaling, changing, or stopping initiatives
• Provide technical direction to data scientists on complex workstreams
• Assist with test designs producing data for future model versions
• Leverage AI across the stack, including custom neural network and LLM solutions
• Build models mitigating risk while driving profitable growth
• Ensure solutions are scalable and stable with engineering partners
• Serve as primary technical owner and point of contact for domain models, advising senior stakeholders on trade-offs and implications

Explore Staff Data Scientist at Zip Co. Review requirements and application details.

Staff Data Scientist

Analyst

• Support forecasting, borrowing base and availability tracking, covenant monitoring, and lender reporting
• Own and validate cash flow forecast data inputs, including collections, originations, payroll timing, vendor payment schedules, and facility draw activity
• Analyze forecast-versus-actual cash variances and support scenario and sensitivity analysis
• Compile borrowing base data across warehouse facilities and prepare borrowing base certificates
• Maintain records of facility positions, draws, paydowns, and availability
• Calculate and validate covenant compliance across bank partner, warehouse, and securitization facilities
• Monitor thresholds, escalate potential compliance items, and prepare covenant compliance certificates
• Prepare and reconcile lender and investor reporting data packages and drafts
• Manage reporting calendars and support ad hoc lender data requests
• Build data inputs and draft outputs for daily cash, weekly liquidity, and monthly funding reports
• Maintain reporting templates and support ad hoc analyses
• Work closely with the Director of Liquidity, Funding & Reporting and Senior Treasury Operations Analyst
• Support Zip’s cash management and treasury operations within its fintech and lending business

Explore Treasury Analyst at Zip Co. Review requirements and application details.

Treasury Analyst

Backend Engineer

• Build scalable card issuing, transaction processing, and settlement systems
• Design reliable integrations with Stripe, banking partners, and Zip’s internal platforms
• Own complex technical initiatives from design through production
• Contribute to event-driven, distributed backend architecture
• Build resilient payment systems within regulatory, compliance, and risk requirements
• Improve production reliability, observability, and performance
• Partner with Product, Engineering, and Infrastructure on technical tradeoffs and delivery
• Improve engineering quality through design and code reviews, automated testing, monitoring, and development practices
• Use AI-assisted development throughout the software lifecycle
• Identify practical applications of emerging AI capabilities in engineering workflows
• Mentor and support engineers through pairing, code reviews, technical guidance, and knowledge sharing

Explore Senior Software Engineer, Backend at Zip Co. Review requirements and application details.

Senior Software Engineer, Backend

Product Designer

• Lead end-to-end design of product enhancements in the repayments space across app and web
• Define thoughtful use of AI to research, prototype, validate, ship, and scale product experiences
• Contribute to AI adoption within Product Design and cross-functional teams
• Identify where AI accelerates insight, reduces operational friction, and improves design quality
• Experiment with, implement, and scale new AI-enabled workflows
• Partner with Product, Engineering, Data, Risk, and Compliance to use AI responsibly
• Identify inefficiencies and propose AI-enabled solutions
• Build confidence in new workflows with Product Management and Engineering partners
• Identify dependencies across initiatives and escalate alignment conversations
• Architect intuitive, flexible repayment journeys across mobile and web
• Design payment rescheduling, early payoff, and automated reminder experiences
• Integrate AI-driven insights and personalized financial assistance into repayment interfaces
• Collaborate with Risk, Compliance, and Finance to ensure transparent, compliant repayment interactions
• Redesign workflows using approved AI tools for research synthesis, ideation, and validation
• Create repeatable AI-assisted frameworks for prototyping and experimentation
• Improve design-impact measurement using AI for pattern detection and signal extraction
• Embed AI into cross-squad collaboration and clarify trade-offs
• Document complex user journeys and systems and onboard others into AI-enabled workflows
• Participate in roadmapping and planning, factoring AI efficiencies into delivery models
• Analyze post-launch feedback with AI and surface improvement opportunities
• Support other designers and writers through skill shares and feedback
• Improve team culture and rituals to normalize experimentation

Explore Senior Product Designer at Zip Co. Review requirements and application details.

Senior Product Designer

Product Marketing

• Own the GTM systems roadmap and design, configure, implement, and optimize scalable solutions
• Translate business requirements into system solutions across the GTM technology stack
• Identify operational bottlenecks, scaling challenges, and process inefficiencies across Sales, Partnerships, Account Management, and Revenue Operations
• Own initiatives from problem identification through stakeholder alignment, solution design, build, implementation, adoption, and impact measurement
• Evaluate technologies, integrations, and tooling that improve productivity and scalability
• Maintain alignment across Salesforce, enrichment tools, enablement platforms, reporting systems, and partner ecosystems
• Lead cross-functional initiatives and coordinate execution across stakeholders
• Establish design standards, governance, and workflow automation
• Build scalable reporting frameworks, dashboards, and performance reporting
• Identify data quality, process compliance, and operational visibility gaps
• Partner with Sales Leadership, Partnerships, Account Management, Finance, Product, and RevOps leaders
• Configure and optimize Salesforce and GTM technologies
• Build automations, workflows, and integrations
• Implement revenue-lifecycle process improvements and troubleshoot system, process, and data issues
• Measure and communicate business impact
• Improve productivity, reporting accuracy, executive visibility, scalability, technology adoption, and operational efficiency

Explore Senior GTM Systems Manager at Zip Co. Review requirements and application details.

Senior GTM Systems Manager

SDET

• Own end-to-end quality verification and validation for complex systems from design through production
• Help evolve verification and validation standards as the engineering model matures
• Partner with engineers, designers, product managers, and stakeholders to build quality into products
• Apply verification and validation across testing activities
• Design and execute comprehensive test strategies focused on edge cases, failure modes, and real-world scenarios
• Build and maintain scalable backend/API and frontend/UI automation frameworks
• Identify gaps in test coverage and system behavior
• Drive root cause analysis and defect- and incident-prevention strategies
• Use AI-assisted tools to improve test design, debugging, and technical problem-solving
• Apply verification and validation rigor to AI- and agent-produced work
• Explore AI capabilities to improve quality engineering workflows and release confidence
• Improve test efficiency, reliability, and execution speed
• Mentor team members and elevate quality standards across the team

Explore Senior Software Engineer – Test at Zip Co. Review requirements and application details.

Senior Software Engineer – Test

Product Manager

• Develop and execute a 6–12 month product roadmap translating customer needs and business priorities into experiments and product improvements
• Lead day-to-day product development from discovery through launch and iteration
• Independently manage a key direct-to-consumer financial product within Zip’s portfolio
• Identify high-value customer problems, run experiments, and lead cross-functional product delivery
• Define product requirements, priorities, success measures, MVP scope, and delivery plans
• Conduct quantitative analysis, customer research, usability testing, market analysis, and direct observation of product behavior
• Identify and validate product opportunities using customer needs, behavioral data, business potential, and Zip capabilities
• Build and maintain an experimentation roadmap using lean tests and MVPs
• Track customer and business metrics including acquisition, activation, conversion, adoption, engagement, retention, utilization, repayment performance, revenue, and customer satisfaction
• Partner with Data, Finance, and Credit Risk on product economics and performance
• Collaborate with Product Design and Research to create simple, transparent, intuitive, and trustworthy financial experiences
• Work with Engineering on tradeoffs involving customer value, speed, technical complexity, scalability, and learning
• Partner with Marketing, Growth, CRM, and other teams on positioning, go-to-market, onboarding, customer education, and lifecycle engagement
• Coordinate with Credit Risk, Compliance, Legal, Finance, Treasury, and Operations on regulatory, credit, operational, funding, and customer considerations
• Use post-launch performance and customer feedback to improve, scale, rethink, or stop initiatives
• Collaborate with Group Product Manager and other Product Managers on a cohesive multi-product Zip experience
• Explore appropriate AI uses across customer experience and team productivity
• Communicate priorities, progress, results, risks, and tradeoffs to cross-functional teams and stakeholders
• Contribute to product-management practices including roadmaps, experimentation, decision-making, product reviews, documentation, and written communication

Explore Senior Product Manager – D2C Products at Zip Co. Review requirements and application details.

Senior Product Manager – D2C Products

• Develop advanced modeling solutions for Zip’s next generation of financial products using rich data sources such as bank transaction data
• Develop and experiment with traditional machine learning, algorithmic, and AI-centric modeling approaches
• Independently design, build, evaluate, and iterate on AI/ML models
• Rapidly experiment and build realistic proofs of concept
• Assist with test designs producing data for future model versions
• Balance short-term business outcomes with longer-term experimental opportunities
• Use AI to improve model quality, analytical efficiency, or product outcomes
• Build models mitigating risk while driving profitable growth
• Collaborate with Data and Machine Learning Engineering teams on data availability and model scalability
• Own modeling solutions end-to-end, from development through production monitoring
• Communicate findings, recommendations, and tradeoffs to business stakeholders

Explore Senior Data Scientist at Zip Co. Review requirements and application details.

Senior Data Scientist

Data Engineer

• Shape the data platform powering analytics, machine learning, Generative AI, and Agentic AI for millions of customers and internal teams
• Build scalable, cloud-native data infrastructure across batch, streaming, structured, and unstructured workloads
• Partner with Data Science, Machine Learning, Product, and Engineering leaders to deliver AI-ready data products
• Design, build, and scale Zip’s enterprise Data & AI Platform
• Develop scalable data pipelines and architectures for structured, unstructured, batch, and real-time workloads
• Build AI-ready data products, semantic models, and retrieval capabilities for intelligent agents and AI-powered applications
• Design and optimize vector search, hybrid search, and Retrieval-Augmented Generation (RAG) capabilities
• Implement streaming and event-driven solutions for near real-time insights, operational intelligence, fraud detection, and risk monitoring
• Establish best practices for data modeling, testing, observability, governance, security, and platform reliability
• Drive self-service and automation to improve developer productivity and time-to-insight
• Partner with cross-functional teams to deliver trusted, high-quality data solutions
• Mentor engineers, influence architecture decisions, and define the future direction of Zip’s data platform

Explore Senior Data Engineer, AI Platform at Zip Co. Review requirements and application details.

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