The Role
Design and build high-scale, secure banking systems and agentic AI features for payments; collaborate across teams and mentor junior engineers.
Summary Generated by Built In
About Zeta
Zeta is a Next-Gen Banking Tech company that empowers banks and fintechs to launch banking products for the future. It was founded by Bhavin Turakhia and Ramki Gaddipati in 2015.Our flagship processing platform - Zeta Tachyon - is the industry’s first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. 15M+ cards have been issued on our platform globally.Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card portfolios. Zeta has over 1700+employees - with over 70%roles in R&D - across locations in the US,EMEA, and Asia. We raised$350 million at a $2 billion valuation from Softbank, Mastercard, and other investors in 2021. Learn more @www.zeta.tech,careers.zeta.tech,Linkedin,Twitter
We’re hiring an SDE-2 Full-Stack Engineer to build modern banking/payments experiences and ship production agentic-AI features. Be excellent at either frontend or backend, contribute across the stack, and help us scale secure, low-latency systems that customers love.
The Role
You’ll build high-scale, secure, distributed systems and user experiences for modern banking and payments—while shipping AI/ML and agentic-AI features that actually move the needle. We’re looking for someone excellent in either frontend or backend and comfortable contributing across the stack.
What You’ll Do
- Own features end-to-end: from API & data models to responsive UIs and observability.
- Ship agentic AI: design tool-using agents (planning, tool orchestration, retries/guardrails), RAG pipelines, and evaluations to improve task success.
- Build scalable, secure platforms: low-latency services, event-driven workflows, and defense-in-depth for PCI/PII.
- Develop AI/ML capabilities: model integration, prompt/flow engineering, embeddings, vector search, online inference, and A/B evaluations.
- Optimize performance: reduce p99 latencies, cost, and flakiness across services and frontends.
- Collaborate cross-functionally: product, design, DS/ML, risk/fraud, and compliance.
- Mentor and uplift: review PRs, improve patterns, document best practices.
Tech You May Use Here
- Frontend: React/Next.js, TypeScript, state mgmt (Redux/Zustand), Tailwind, component libraries; testing (Jest/RTL), Webpack/Vite.
- Backend: Java (Spring Boot), Python (FastAPI), Node.js/TypeScript (NestJS); REST/GraphQL/gRPC; WebSockets.
- Data & Infra: Postgres/MySQL, Redis, Kafka/PubSub, object storage; CI/CD (GitHub Actions/Azure DevOps), containers; AWS/Azure/GCP.
- AI/ML & Agentic: OpenAI/Anthropic/Gemini SDKs, function/tool calling, LangChain/Autogen/CrewAI, vector DBs (pgvector/FAISS/Pinecone), evals; Copilot ecosystem / Copilot Studio, Power Apps/Power Automate; MLOps (Dockerized inference, model/versioning, feature stores).(Must to have)
- Security/Compliance: secrets management (Key Vault/SM/Secrets Manager), authN/Z (OIDC/OAuth2), audit, rate limiting, PCI considerations.
Responsibilities (Split by Strength)
- If you’re backend-leaning (primary):
- Design and evolve domain services, APIs, and data models for cards/payments.
- Build resilient, observable services (metrics, tracing, alerts); capacity planning and on-call participation.
- Integrate AI services and agents into backend workflows (tool routers, retrieval, safety/guardrails).
- If you’re frontend-leaning (primary):
- Build accessible, performant React/Next.js apps with clean state and design systems.
- Implement real-time UX for risk/fraud dashboards, ops consoles, and customer features.
- Integrate agentic-AI UX (multi-step plans, tool traces, explanations, feedback loops) with secure server boundaries.
Minimum Qualifications
- 3-5 years professional experience (or equivalent) building production software.
- Excellent proficiency in either frontend or backend, and working ability across the other side.
- Solid CS fundamentals (DSA, concurrency, network & HTTP, caching, DB design).
- Proven experience shipping AI/ML or agentic-AI projects (e.g., RAG/embeddings, tool-using agents, production model integration, or Copilot Studio solutions).
- Experience with cloud (AWS/Azure/GCP), containers, CI/CD, and observability.
- Strong problem-solving, ownership, and clear written/verbal communication.
Nice to Have
- Payments/banking domain exposure (fraud, risk, ledgering, reconciliation) or high-throughput systems.
- Knowledge of GNNs, NLP, or AI-powered fraud signals.
- MLOps (model deployment, batch/online features, canarying, eval harnesses).
- Experience with Microsoft ecosystem (Teams apps, Graph, Copilot Studio/Power Platform).
- Performance tuning (bundles/pain points on FE; JVM/async IO on BE); accessibility.
What Success Looks Like (First 90 Days)
- Ship a meaningful feature end-to-end (API → UI) with observability and docs.
- Integrate or improve an agentic flow (tool orchestration + evaluation) that measurably improves a KPI (e.g., time-to-resolution, approval rate, ops effort).
- Reduce a critical p99 or error rate by a concrete target through profiling and design fixes.
- Raise the bar via reviews, refactors, and reusable components/patterns.
Life At Zeta
At Zeta, we want you to grow to be the best version of yourself by unlocking the great potential that lies within you. This is why our core philosophy is ‘People Must Grow.’ We recognize your aspirations; act as enablers by bringing you the right opportunities, and let you grow as you chase disruptive goals.
#LifeAtZeta is adventurous and exhilarating at the same time. You get to work with some of the best minds in the industry and experience a culture that values the diversity of thoughts. If you want to push boundaries, learn continuously and grow to be the best version of yourself, Zeta is the place to be! Explore the life at zeta
Zeta is an equal opportunity employer.
At Zeta, we are committed to equal employment opportunities regardless of job history, disability, gender identity, religion, race, marital/parental status, or another special status. We are proud to be an equitable workplace that welcomes individuals from all walks of life if they fit the roles and responsibilities.
Top Skills
Anthropic
Autogen
AWS
Azure
Azure Devops
Crewai
Docker
Faiss
Fastapi
GCP
Gemini
Github Actions
GraphQL
Grpc
Java
Jest
Kafka
Langchain
MySQL
Nestjs
Next.Js
Node.js
Openai
Pgvector
Pinecone
Postgres
Python
React
Redis
Redux
Rest
Rtl
Spring Boot
Tailwind
Typescript
Webpack
Websockets
Zustand
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The Company
What We Do
Founded in 2015, Zeta is a provider of next-gen credit card processing platform. Zeta’s cloud-native and fully API-enabled stack offers a comprehensive range of capabilities, including processing, issuing, lending, core banking, fraud detection, and loyalty programs. With a strong focus on technology, Zeta has over 1700+ employees and contractors, with more than 70% dedicated to technology roles. Operating across the US, UK, Middle East, and Asia, Zeta has served a global customer base of 35+ clients who have issued over 15 million cards on Zeta's platform to date. Backed by prominent investors such as Softbank Vision Fund 2 and Mastercard, Zeta has raised $280 million, at a valuation of $1.5 billion.
