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.
