Credit Systems Backend Engineer

Ramp; United States; Remote; USD 120,000 - 160,000; Full time

Job summary

Ramp is seeking a backend engineer for the Credit team to own underwriting, limit management, portfolio optimization, and agentic workflows. You will influence over $100B in annual payment volume by building robust, high-throughput systems with strong observability.

Collaborating with analysts, data scientists, and product, you will translate risk strategies into reliable software and design real-time decisioning across the credit lifecycle to support Ramp's expanding product portfolio and

Qualifications

• 2+ years 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 specifications.
• Experience building or operating auditable, observable systems with correctness guarantees.
• High ownership mentality and accountability.
• Ability to collaborate with Risk, Ops, and Sales teams.

Responsibilities

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

Skills

Backend engineering

Python

Distributed systems

Data modeling

Observability

Ownership

Cross-functional

Job description

Ramp is seeking a backend engineer for the Credit team to own underwriting, limit management, portfolio optimization, and agentic workflows. You will influence over $100B in annual payment volume by building robust, high-throughput systems with strong observability.

Collaborating with analysts, data scientists, and product, you will translate risk strategies into reliable software and design real-time decisioning across the credit lifecycle to support Ramp's expanding product portfolio and