Intermediate Backend Engineer, Payments Platform - Remote Eligible

Intermediate Backend Engineer, Payments Platform

San Mateo, US / Remote, US

Technology: Product Engineering – Payments Engineering / Permanent / Remote

At Xero, we're here to help you supercharge your business. We do this by automating routine tasks, surfacing actionable insights and connecting businesses with the right data, advisors and apps. When that happens, we're not only making life better for small business, we'll be building a stronger economy that can change the world.

Xero reimagined accounting software. Now, we're reimagining the flow of money itself. We're making a critical, multi-year investment in our new Payments Platform organization —the engine that will power payments across all of Xero's ecosystem.

As a Backend Engineer on the Payments Platform, you'll be building scalable systems that redefine how millions of small businesses move money. You'll solve meaningful engineering problems, contribute to platform design, and grow your skills alongside a team that values learning, collaboration, and technical excellence.

What You'll Bring With You

• 3+ years of software engineering experience, with a track record of building backend services.
• Proficiency in at least one modern backend language (e.g. C#, Java, Golang, C++), and exposure to cloud platforms (AWS a bonus).
• Experience working with relational databases (SQL); familiarity with NoSQL is a plus.
• Ability to independently solve and implement medium-complexity problems.
• Experience contributing to the design of system components and services.
• Growth mindset: eagerness to learn, continuously improve, and take feedback as an opportunity to get better.
• Strong collaboration skills and willingness to work across engineering, product, and operations.
• Commitment to writing maintainable, testable, and secure code.

What You'll Do

• Build and deliver backend services: Contribute to the development of reliable, scalable, and secure services that power Xero's Payments Platform.
• Solve problems independently: Take ownership of medium-complexity projects, from design through implementation.
• Contribute to design discussions: Participate in design reviews and provide input on medium-complexity features.
• Stay hands-on: Write production-quality code, build tests, and ensure your work meets high standards for performance and reliability.
• Collaborate effectively: Work with engineers, product managers, and other stakeholders to deliver high-quality features.
• Continuously learn and grow: Apply feedback, expand your technical skills, and contribute to a culture of learning and improvement.
• Champion best practices: Support operational excellence by contributing to observability, testing, and monitoring.

Why Join Xero's Payments Platform?

• Make an Impact: Contribute to a global payments platform that will transform Xero's customer experience and growth.
• Learn & Grow: Work on complex fintech challenges with senior engineers who will mentor and support your growth.
• Early Stage Opportunity: Help build foundational systems that future products will rely on.
• Culture of Excellence: Join a team that values learning, collaboration, and innovation—while providing the support to do the best work of your career.

$147,000 - $184,500 a year

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. Offering very generous paid leave to use however you'd like (plus statutory holidays!), dedicated paid leave to care for your physical and mental wellbeing as well as an Employee Assistance Program to access mental health care for you and your family, employee resource groups, wellbeing programming and allowances, medical, dental, vision, and disability insurance, fertility and family forming financial support, 401k contribution matching, 26 weeks of paid parental leave for primary caregivers, an Employee Share Plan, beautiful offices with snacks and break areas, flexible working, career development and many other benefits that reflect our human value, you'll do the best work of your life at Xero.