Backend Engineer, Credit Risk & Real-Time Decisions

Ramp; New York (NY); On-site; USD 120,000 - 160,000; Full time

Job summary

Ramp is seeking a backend engineer to join the Credit Engineering team. In this role, you will design and build systems that manage credit lifecycles for businesses, impacting over $100 billion in annual payment volume. Candidates should have 2+ years of experience and proficiency in Python.

You will work closely with non-engineering partners and be responsible for the technical roadmap for underwriting and portfolio optimization. Ideal candidates will enjoy solving complex problems and have a high ownership mentality.

Qualifications

• 2+ years of backend engineering experience.
• Proficiency in Python or a comparable backend language.
• Experience working with distributed systems and async frameworks.

Responsibilities

• Own the technical roadmap for underwriting and limit management.
• Build robust systems and automate complex operational tasks.
• Design real-time decisioning systems for the credit lifecycle.

Skills

Backend engineering

Python

Distributed systems

Auditability and observability

Defensive programming

Tools

ML platforms

Feature stores

Rule engines

Job description

Ramp is seeking a backend engineer to join the Credit Engineering team. In this role, you will design and build systems that manage credit lifecycles for businesses, impacting over $100 billion in annual payment volume. Candidates should have 2+ years of experience and proficiency in Python.

You will work closely with non-engineering partners and be responsible for the technical roadmap for underwriting and portfolio optimization. Ideal candidates will enjoy solving complex problems and have a high ownership mentality.