• Enterprise Architect with deep expertise in C#, modern systems architecture, design patterns, and engineering principles to design and optimize secure, scalable platforms
• Engineering leader who fosters collaboration, innovation, and operational excellence through strategic leadership and continuous improvement
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip

Become a part of Zip's Engineering team and take on exciting challenges at scale in a dynamic, test-driven development environment. If you thrive on delivering high-quality work quickly, you'll be a perfect match for our teams, who develop cloud-native software applications serving millions of customers and processing billions of dollars in payments.

We are seeking an accomplished and technically adept Enterprise Architect to play a pivotal role in our Enterprise Architecture team. As a technical leader, you will drive the architecture, implementation, and evolution of our platform, ensuring that our systems are secure, resilient, scalable, and optimized for peak performance. This is a builder’s role, requiring hands-on engagement and technical ownership across multiple domains. You will influence strategic decisions, lead complex projects, and serve as a mentor to product engineering teams, fostering a culture of innovation, security, and operational excellence.

Interesting problems you’ll get to solve

• Lead Architectural Design and Execution: Define target architectures and oversee their execution across enterprise platforms. Drive the implementation of scalable, cloud-native solutions that ensure high availability, disaster recovery readiness, and optimal performance for mission-critical business flows. Partner with engineering teams to embed resiliency patterns (e.g., autoscaling, geo-redundancy, circuit breakers) and enforce alignment with TOGAF principles and internal enterprise standards.
• Define Technical Strategy: Refine and evolve existing enterprise architecture roadmaps in line with TOGAF principles, ensuring alignment with business goals and industry trends. Adapt strategies to reflect changing technologies and priorities, guiding the effective use of platforms such as C#, SQL Server, Postgres, Azure, Kafka, Terraform, and Kubernetes.
• Establish and Champion Best Practices: Promote engineering principles that strengthen system resilience and service availability. Define SLO frameworks, reusable components, and observability practices to reduce operational overhead and enforce consistent standards.
• Architect Cloud-Native Solutions with Security-First Principles: Design secure, scalable cloud-native architectures that meet regulatory, industry, and internal security standards while ensuring resilience and performance.
• Enhance Observability: Design and implement monitoring, logging, and alerting systems to ensure comprehensive observability across infrastructure and applications. Establish system performance metrics and enforce Service Level Agreements (SLAs) using tools like Dynatrace to ensure operational excellence.
• Mentor and Inspire Engineering Teams: Serve as a mentor for engineers. Lead training sessions, organize technical deep dives, and champion knowledge-sharing initiatives to elevate team skills and promote a collaborative engineering culture.
• Document and Institutionalize Knowledge: Create and maintain documentation and internal wikis to preserve architecture, process, and security knowledge, leveraging AI-optimized methods to ensure information is accurate, accessible, and continuously updated.
• Evangelize AI and Agentic AI: Promote awareness and adoption of AI and agentic AI solutions across the enterprise. Identify practical use cases, guide integration into business and technology strategies, and champion responsible, secure, and innovative applications of AI.

What you’ll bring to the team

Educational Background: A bachelor's degree in Computer Science or Software Engineering.  A graduate degree is preferred.

• Technical Leadership: Demonstrated ability to lead technical initiatives, guide teams, and inspire confidence. Proven track record of successfully leading large-scale cloud-native projects with a focus on performance, scalability, and reliability.
• Engineering Experience and Expertise: 10+ years of experience in complex software engineering environments. Mastery of C#/.Net with demonstrated experience implementing complex, secure solutions. Skilled in architecting and governing engineering using best practices for maintainability and scalability. 
• Mentorship: Experience mentoring and guiding engineering teams. Strong ability to foster a collaborative and high-performing engineering culture through knowledge sharing, technical mentorship, and cross-functional partnership.
• Cross-Functional Collaboration: Exceptional communication and stakeholder management skills, with the ability to influence and drive alignment across engineering, product, and security teams on complex technical projects.
• AI: Experience driving adoption of AI-based development tools, and a strong understanding of their potential and limitations.
• TOGAF certification, prior architecture experience and experience in fintech are attributes of your profile that can set you apart from other candidates.

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
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

The Pay Range for this position: $160,000 - $190,000 USD based on the industry benchmark for position, function, level and Zip's compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. 

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. 

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 is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out

Zip participates in the federal government’s E-Verify program

• Visionary systems thinker with a proven ability to design and deliver Agentic AI-native architectures that scale across ambiguity, evolving data, and dynamic user needs
• Track record of translating frontier ideas like autonomous agents and adaptive workflows into resilient production systems that drive measurable product value
• Remote-first opportunity for US-based employees with the option to work in-person out of our NYC office

Start your adventure with Zip

ZIP is entering a new chapter—one where software is no longer static, reactive, or manually tuned. We’re reimagining our platform with Generative AI and Agentic systems at its core, enabling autonomous, adaptive capabilities across our products and operations.To lead this charge, we’re hiring our first Principal Engineer for Generative and Agentic AI. This isn’t a support role. It’s a foundational seat on the team and a key member of our in-house innovation group.  If you’ve spent your career at the frontier of AI, this is your opportunity to build from the ground up in a greenfield environment with enterprise-grade ambition.

You’ll collaborate across engineering, product, design, and applied research to transform emerging agentic AI patterns into resilient, production-grade systems. This isn’t about chasing trends, we’re focused on delivering intelligent, self-improving solutions that drive real outcomes. If you’re energized by the opportunity to help define the future of autonomous, AI-native software, we’d love to connect.

Interesting problems you’ll get to solve

• Design and build intelligent, autonomous systems that directly enhance the customer experience, enabling AI-powered interactions, personalized repayment journeys, intelligent support agents, and the foundation for a new generation of AI-first products in a dynamic, regulated fintech environment.
• Prototype quickly, scale deliberately, evaluating emerging frameworks and models, running experiments, and hardening the most promising approaches for production deployment in real-world financial systems.
• Collaborate across engineering, product, design, compliance, and applied research to identify high-impact use cases and deliver intelligent systems that are resilient, secure, and deeply aligned with user needs.
• Architect the AI foundation, selecting and integrating the right mix of LLMs, orchestration frameworks, vector databases, memory strategies, and tooling to give our agentic systems both intelligence and structure.
• Champion and evangelize AI-powered engineering, establish and uphold best practices across performance, observability, scalability, and responsible AI, ensuring that everything we build operates with trust, regulatory compliance, and enterprise-grade reliability at scale.
• Mentor and inspire engineers, cultivating a culture of technical depth, curiosity, and bold innovation as we grow ZIP’s AI capabilities from team-level efforts to a core pillar of our platform strategy.
• Build fast and learn faster, operating with urgency, deploying frequently, and using real feedback from customers and stakeholders to iterate and improve continuously.
• Stay at the frontier of agentic AI, tracking new developments across academia and industry, and selectively introducing promising techniques that align with our mission to deliver intelligent, adaptive, and customer-centric fintech experiences.

What you’ll bring to the team

Minimum Qualifications

• BS and MS in Computer Science, Software Engineering, or a related field; PhD in AI, ML, or a related domain strongly preferred.
• 15+ years of software engineering experience, with 5+ years of focused, hands-on work with Large Language Models (LLMs), Agentic AI, and generative AI systems.
• Demonstrated success leading the design, development, and deployment of production-grade AI/ML systems, including large-scale inference, context management, and continuous learning.

Technical Expertise

• Deep expertise in backend systems and distributed architecture; Python required; additional fluency in languages such as C#, C++, Go, or Rust are a plus.
• Extensive experience with agent frameworks, memory/contextual planning systems, and orchestration of long-running, stateful agents
• Strong command of cloud-native development, microservices, and MLOps pipelines (e.g., with Azure, GCP, AWS).
• Architect-level skill in breaking down complex, emergent problems into scalable, modular, and maintainable systems.
• Applied experience integrating RLHF, embedding models, RAG (retrieval-augmented generation), and vector databases into modern applications.

Leadership and Influence

• Exceptional ability to mentor, influence, and align cross-functional engineering teams without formal authority.
• Strong collaborator across product, design, data science, and security; experience in regulated domains (e.g., fintech, healthcare) is a plus.
• High emotional intelligence and low-ego leadership style; comfortable driving alignment in ambiguous and high-stakes environments.
• Strong written and verbal communication skills, with the ability to explain complex technical topics to executive stakeholders and non-technical teams.

Mindset and Impact

• You are a builder at heart, driven by intellectual curiosity and a desire to push boundaries in how machines learn and operate.
• You care deeply about system resilience, ethical AI, data privacy, and customer trust.
• You thrive in early-stage initiatives, and are energized by ambiguity, iteration, and bold goals.
• Clear communicator and thoughtful builder—able to mentor, align, and influence without ego
• High intellectual curiosity, ownership mindset, and a passion for building systems that learn, adapt, and improve

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
• Unlimited PTO 
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

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 $215,000 - $270,000. 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-centered 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. 

Zip participates in the federal government’s E-Verify program

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out

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