Zip

Senior/Staff Software Engineer, Applied AI

San Francisco, California, United States

$190,000 – $250,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Enterprise Software, Fintech, AI & Machine LearningIndustries

Position Overview

  • Location Type: Hybrid (3 days/week in San Francisco office)
  • Job Type: Full-Time
  • Salary: $190,000 - $250,000

Zip is a procurement platform addressing the complexity of enterprise spend management. They've established a leading position in a $50B+ market, serving companies like OpenAI, Snowflake, and Coinbase. This role focuses on Applied AI within the Payments: Accounts Payable (AP) Automation domain, leveraging AI as a strategic investment to improve procurement processes.

Requirements

  • Experience: 6+ years of experience as a full stack / product engineer.
  • Education: Bachelor’s and/or Master’s degree, preferably in CS or a related field.
  • Technical Skills: Proficiency in software development languages (Python/Java/C++ or equivalent).
  • AI/ML Knowledge: Familiarity with Search Recommendations, LLM and GenAI concepts and use cases.

Responsibilities

  • Shape AI strategy and infrastructure for the Payments organization.
  • Contribute to AI strategy and direction for the company.
  • Develop a deep understanding of Payments customer workflows within the Zip product.
  • Identify opportunities for quantifiable business impact through AI.
  • Work closely with PMs, designers, and the sales team to drive engineering decisions and build AI products.
  • Build and launch applied AI products.

Preferred Qualifications

  • Gen AI / Applied AI experience.
  • Solid SWE experience building products for customers.
  • Payments or B2B experience.

Company Information

  • Valuation: $2.2 billion
  • Funding: $370 million from Y Combinator, Tiger Global, BOND, DST Global, and CRV
  • Founded: 2020
  • Team: Composed of individuals from category-defining companies like Airbnb, Meta, Stripe, Salesforce, Apple, and Google.

Skills

Python
Java
C++
Full Stack Development
AI/ML
Search Recommendations
LLM
GenAI
AI Strategy
Product Development
Payments
B2B

Zip

Provides buy now, pay later services

About Zip

Zip Co offers buy now, pay later (BNPL) services that allow consumers to make purchases and pay for them over time without interest. Its main products, Zip Pay and Zip Money, cater to different spending needs, with Zip Pay for everyday purchases and Zip Money for larger expenses. The service works by enabling users to shop at partnered retailers and manage their payments through a clear and transparent system, where they can see how much they owe and when payments are due. Unlike many competitors, Zip focuses on providing flexible payment options and a straightforward fee structure, generating revenue through merchant fees, late fees, and interest on select products. The company's goal is to simplify the purchasing process for consumers while expanding its market presence across various countries.

Sydney, AustraliaHeadquarters
2013Year Founded
$972.7KTotal Funding
IPOCompany Stage
Fintech, Consumer GoodsIndustries
1,001-5,000Employees

Benefits

Parental leave - Enjoy up to 20 weeks paid leave and return part-time on a full-time salary for 3 months!
Bonus scheme - We give you skin in the game through our various share incentive programs.
Family support - We support our ZipFam on their life journey through people policies and programs.
Volunteer leave - Use your paid volunteer leave to Zip it forward and create change in your community.
Reward & recognition - We love celebrating your wins and giving you the freedom to choose how you're rewarded.
Career growth - You'll be given clear progression pathways and transparent coaching so you can truly flourish.

Risks

Increased competition from tech giants like Apple could threaten Zip's market share.
Regulatory changes in Australia may impact Zip's profitability and operations.
Reliance on partners like Stripe ties Zip's success to their platform stability.

Differentiation

Zip offers interest-free BNPL services, enhancing consumer financial flexibility.
The company operates in diverse markets, including Australia, the US, and the UK.
Zip's partnerships with retailers improve shopping experiences and financial management for consumers.

Upsides

Zip's potential partnership with Apple could significantly boost its US market presence.
Integration with Stripe allows easy BNPL access for US merchants, expanding Zip's reach.
The rise of in-store BNPL usage in the US shows growing consumer adoption.

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