Backend Credit Engineer: Real-Time Underwriting & Risk

Visa Hunt; New York (NY); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment ordering

Health and wellness stipend

Budget for intra-office travel

Weekly coffee stipend

Job summary

Ramp is hiring a Backend Engineer to own underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust, scalable systems and automate operational tasks powering billion-dollar decisions.

The role emphasizes correctness, ambiguity handling, and production-grade reliability in distributed systems and financial software. You’ll collaborate with Risk Strategy, Ops, and Sales to translate risk strategies into dependable software, driving impact across Ramp’s

Qualifications

• 2+ years of backend engineering experience.
• Proficiency in Python or a comparable backend language.
• Experience with distributed systems and async frameworks.
• Ability to translate abstract business problems into robust data models and technical specs.
• Experience building or operating systems with auditability, observability, and correctness guarantees.
• High ownership mentality and accountability.
• Ability to collaborate with Risk Strategy, Ops, and Sales to deliver impact.

Responsibilities

• Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio.
• Envision and build next-gen agents and tools that automate credit decisions and increase operational efficiency.
• Develop high-volume, low-latency risk controls to support expansion into new products and geographies.
• Design and build real-time decisioning systems across the credit lifecycle on Ramp.
• Partner with analysts, data scientists, and product to translate risk strategies into reliable software.

Skills

Backend engineering

Python

Distributed systems

Data modeling

Observability

Ownership

Cross-functional collaboration

Tools

Async frameworks

Feature stores

ML platforms

AI/LLMs

Job description

Ramp is hiring a Backend Engineer to own underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust, scalable systems and automate operational tasks powering billion-dollar decisions.

The role emphasizes correctness, ambiguity handling, and production-grade reliability in distributed systems and financial software. You’ll collaborate with Risk Strategy, Ops, and Sales to translate risk strategies into dependable software, driving impact across Ramp’s