Senior Software Engineer, Payments

Remote · USD 195,000-220,000 · 5-9 years experience · Remote · Posted Oct 12, 2026

At a glance

You will join the AirCover Insurance Platform team to build systems behind Host liability insurance, Experiences liability insurance, and Host damage protection.
The role offers greenfield opportunities and a multi-year platform roadmap as insurance products expand across global markets.

Build and own backend services and APIs for policy, coverage, enrollment and regional rules that scale to new markets.
Translate regional regulatory and product requirements into configurable, reusable platform capabilities.
Implement experimentation hooks, logging and metrics so Product and Data Science can test offers and measure attach rate with confidence.
Partner with Product, Design, Data Science, Legal and other engineering teams to prioritize the highest-impact work.
Use data to find gaps in conversion and reliability, and drive fixes and improvements.
Mentor engineers and champion best practices in code quality, testing and operational excellence.
Design, build and operate distributed backend services in a service-oriented architecture, with reliable monitoring, logging and alerting.
Write and review code and technical designs, and make sound architectural trade-offs.
Build data pipelines and events that support analytics and experiments.
Collaborate with infrastructure, security and privacy teams to meet high standards for data protection across regions.

5–9+ years of software engineering experience, ideally building and scaling backend platforms in a global or multi-regional context.
Proficiency in backend development in Java, Kotlin, Python, Go or similar.
Experience architecting high-scale services and APIs, with working knowledge of relational databases and SQL.
Experience with A/B testing or experimentation systems, and using data to drive product decisions.
Ability to work through ambiguity and collaborate deeply with cross-functional teams.
Excellent communication, able to explain complex technical topics to technical and non-technical audiences.
BS in Computer Science or equivalent practical experience.

Experience in insurance, payments, fintech or other regulated domains is a plus.

This position is US - Remote Eligible.
The role may include occasional work at an Airbnb office or attendance at offsites, as agreed to with your manager.