Lead Engineer - Making Payments

As a Lead Engineer in Making Payments, part of Xero's Payments Platform, you will own the technical lifecycle of bill payments: the way small businesses pay their bills and their people through Xero. When payouts land smoothly, a business's cash flow stays healthy, so your work has a real and visible effect on the customers we serve. You will set the technical direction, turn it into a clear, sequenced plan, then guide the team as they deliver it and look after the health of our systems once they are live.

You will stay hands-on, raise the bar for engineering quality, and help the team adopt AI-led ways of working. You will also coach and mentor engineers at different stages of their careers, with deep exposure to payments at scale and room to shape architecture, delivery and team capability.

You'll join Making Payments, a team of around 8 to 10 mid-level and senior engineers within the Payments Platform, looking after the bill payments experience across multiple regions as we expand our payment offerings globally. You'll collaborate closely with product, design, security, risk, legal and compliance, as well as Principal Engineers and partner teams in North America.

➔ Our stack: .NET (C#), AWS, Postgres and DynamoDB, with an API-first, mostly backend focus and tier 1 services that need high availability and test coverage above 90%

➔ Hard Problems, High Scale: Solve complex fintech problems: global rails, orchestration, compliance, fraud designs and more.

➔ Early Stage, Real Ownership: Define foundational systems that future revenue and product lines will depend on.

➔ Massive Impact: Shape a global payments platform critical to Xero's revenue and customer growth.

You'll be based in Sydney or Melbourne, working a hybrid model that blends time together in our modern offices with the flexibility of working from home. Boost days bring teams together to connect and collaborate in person on Wednesday’s and Thursday’s. You’ll be part of a globally distributed team across Australia and the US.

➔ You bring hands-on experience in a senior technical role such as Staff Engineer or Tech Lead, delivering highly available, distributed backend systems at scale, ideally in payments, fintech or another regulated space.

➔ Your depth in system architecture and API design shows in secure, high-throughput services, including knowing when a synchronous API fits and when an asynchronous, event-based design serves customers better.

➔ Proficiency in at least one modern backend language (C# is a bonus, but Java, Go or C++ work too) comes with cloud-native experience, ideally AWS, and both SQL and NoSQL databases.

➔ You Go Fast by breaking complex problems into clear, actionable plans and following through, keeping security, testability, observability and on-call health front of mind.

➔ You Go Together, building trusted relationships across engineering, product, risk and operations, and coaching engineers at every stage of their careers.

➔ You Go Bold with AI, using AI tools hands-on to speed up engineering and exploring how AI can strengthen the platform.

• Define and build core platform services: Lead the design and development of reliable, scalable, performant, and secure services for Xero's Payments Platform.

• Architect the future of payments: Shape the technical foundation for Xero's money movement capabilities while unlocking new product lines.

• Stay hands-on: Contribute directly to production code, proof-of-concepts, and technical deep dives.

• Solve complex problems: Tackle challenging fintech and distributed systems problems with innovative solutions.

• Drive technical excellence: Set a high bar for reliability, security, and scale through design reviews, mentoring, and best practices.

• Collaborate cross-functionally: Partner with Product, Security, Risk, and Operations teams to translate complex business needs into resilient engineering solutions.

• Mentor and grow engineers: Act as a role model, coach, and technical leader, fostering a culture of inclusion, collaboration, and excellence.

• Ensure operational excellence: Lead on-call practices, build robust observability, and champion high-performance, reliable systems.

• Drive innovation with AI: Champion the adoption of AI tools and practices across the team - from accelerating development workflows to exploring how AI capabilities can strengthen the platform.

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.

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 real human recruiter reviews all candidates before any hiring action is taken.