Senior Backend Engineer, Payments Platform

Department: Engineering

Location: US: San Mateo (1875 South Grant Street)

Employment Type: FullTime

The role / impact

In this role, you will help shape the technical foundation for money movement capabilities while unlocking new product lines globally. You will contribute to the design and development of reliable, scalable, performant, and secure services for the platform, ensuring operational excellence and direct business outcomes.

This is a rare chance to join an early-stage initiative, contribute to foundational architectural decisions, and have a visible impact on the future of small businesses. By writing production code and developing proof-of-concepts, you will help solve complex financial technology challenges at a massive scale.

The team / how they connect

The Payments Platform team is the engine powering money movement across the entire ecosystem, collaborating closely with product, security, risk, and operations. We are a highly collaborative collective that values technical excellence, inclusion, and continuous innovation. Together, we work cross-functionally to translate complex business needs into resilient engineering solutions that support millions of subscribers.

The team is currently working on / Initially, you will focus on

• Designing and building payment platform capabilities, such as orchestration, risk and fraud prevention, and multi-provider integrations.

• Building out a global bill payment product to streamline how small businesses manage their cash flow.

• Developing core high-throughput platform services using modern backend stacks alongside AWS.

• Integrating and leveraging artificial intelligence capabilities to accelerate development workflows and enhance engineering productivity.

Where and how you can work

We support a hybrid working model that blends the flexibility of working from home with the collaboration of being in the office. You will spend time connecting with your team in our modern office spaces on designated boost days, balancing focused independent work with in-person connection.

Here are some of the things we are looking for

• A proven track record of delivering highly available, distributed backend systems and high-throughput services under real-world constraints.

• Deep understanding of system architecture, API design, and both SQL and NoSQL databases.

• Proficiency in modern backend stacks such as C#, Java, Golang, or C++, alongside cloud-native platforms like AWS.

• Passion for staying hands-on by contributing directly to production code, proof-of-concepts, and technical deep dives.

• Strong collaborative skills with a desire to mentor fellow team members, share technical knowledge, and foster an inclusive culture.

• Demonstrated ability in breaking down complex problems into clear, actionable solutions while driving agile execution to deliver results.

Apply even if your experience isn't a perfect match! At Xero, we hire based on your skills, passion, and the unique perspective you can bring to enhance our culture and team.

Compensation & Total Rewards

At Xero, we value the impact and skills you bring to the team. We don’t just hire for a role; we invest in people. We believe in a Total Package philosophy - which means your value isn't just a single number on a paycheck. While base salary is a core component, we look at your compensation through a holistic lens that includes equity, performance incentives, and world-class benefits.

The expected base salary range for this role in:

• California: $209K - $251K USD

Individual pay is determined by various factors, including geography, level of experience, and the specific skills you bring to the role.

In addition to base pay, Xero’s roles are eligible for the following forms of variable compensation:

• Variable Pay: Permanent employees are eligible to participate in our annual bonus and equity (RSU) programs. You may also be eligible for performance-based cash or equity (RSUs) incentives depending on your role level, and company performance.

• Comprehensive Benefits: Medical, dental, vision, 401(k) match, and 21 days PTO, 10 days of Wellbeing leave, 5 days of Xtra Leave, 1 volunteer day, 12 paid holidays, paid parental leave. Further information included on our Xero Perks page.

Xero uses AI to help screen applications based on job-related qualifications. These tools assist our recruiters but do not make automated hiring decisions. A human recruiter reviews all candidates before any hiring action is taken.