Backend Engineer, Real-Time Credit & Underwriting Systems

Ramp; New York (NY); On-site; USD 140,000 - 210,000; 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 building the smart infrastructure for finance teams and handles credit lifecycles for billions. We are seeking a backend engineer to own underwriting, limit management, portfolio optimization, and agentic workflows, delivering robust, high-frequency systems.

You will shape automated credit decisions, partner with analysts and data scientists, and build scalable, observable services that power Ramp’s portfolio strategy.

Qualifications

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

Responsibilities

• Architect scalable, stateful credit systems for automated limit management.
• Envision and build agents and tools to automate credit decisions.
• Develop high-volume, low-latency risk controls for new products and geographies.
• Design real-time decisioning systems across the credit lifecycle.
• Partner with analysts, data scientists, and product to translate risk strategies into software.

Skills

Backend engineering

Python

Distributed systems

Observability

Ownership

Cross-functional work

Job description

Ramp is building the smart infrastructure for finance teams and handles credit lifecycles for billions. We are seeking a backend engineer to own underwriting, limit management, portfolio optimization, and agentic workflows, delivering robust, high-frequency systems.

You will shape automated credit decisions, partner with analysts and data scientists, and build scalable, observable services that power Ramp’s portfolio strategy.