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Principal Engineer - Payments Products & Platform

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Principal Engineer - Payments Products & Platform in Australia new

  • Sydney

Responsibilities

  • Set long-term technical strategy across a Payments Products & Experiences or Payments Platform portfolio.
  • Design and run scalable, resilient, high-performance distributed systems in production.
  • Evaluate legacy payment systems and decide what to extend, migrate, or rebuild.
  • Shape APIs, payment integrations, global payment rails, ledgers, and multi-year payments architecture.
  • Stay hands-on through pairing, technical spikes, and coding.
  • Mentor Staff and Senior engineers and contribute to engineering standards and best practices.
  • Partner with product, engineering, and senior stakeholders across teams and time zones.
  • Model the use of AI tooling to automate tasks and improve engineering outcomes.
  • Design and analyze A/B tests that drive product usage.

Requirements

  • Deep experience designing and operating large-scale distributed systems in production, balancing reliability, performance, and cost.
  • Fluency in at least one modern backend language, SQL, NoSQL data stores, and cloud-native platforms, ideally AWS.
  • Strong API-first thinking and experience across web, API, and data layers.
  • Ability to make practical technical decisions for legacy-heavy systems while remaining hands-on.
  • Strong interest in using AI tooling to improve engineering outcomes.
  • Experience designing and analyzing growth experiments and A/B tests.
  • Payments or fintech experience is a plus.
  • Ability to mentor Staff and Senior engineers and influence cross-team technical direction.

Benefits

  • Hybrid work arrangement based in Sydney or Melbourne, combining modern office time with working from home.
  • Boost days bring teams together for in-person connection and collaboration.
  • Opportunity to work with colleagues across Australia and the US on payment flows operating around the clock.

Xero

Trusted by 5M around the world on the most loved SMB accounting platform. Xero's Community Guidelines: https://www.xero.com/support/community-guidelines/

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Principal Engineer - Payments Products & Platform

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  • Full time
  • Australia
  • 10/21/2026
  • Sydney

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