Senior Backend Engineer: Bill Pay & Payments Automation

Ramp; United States; Remote; USD 180,000 - 230,000; Full time

Benefits offered by this job

Flexible PTO

Centralized home-office equipment

Health and wellness stipend

Budget for intra-office travel

Weekly coffee stipend

Job summary

Ramp is seeking a senior backend engineer to own a core Bill Pay subsystem, shaping its technical direction and scaling as volume grows. You will design and deliver payment execution, bill intake, AI-powered extraction, approvals, and accounting sync.

You will collaborate with product, design, and payments partners to move money safely across ACH, checks, cards, and international rails while improving reliability and observability of the system.

Qualifications

• Experience designing, building, and operating production backend systems incl. APIs, data models, and asynchronous workflows.
• Track record of owning a system or product area end to end and shaping its technical direction over time.
• Strong system design judgment around correctness and reliability in critical financial systems.
• Customer-focused mindset, balancing speed with quality and business impact.
• Clear communication and collaborative decision-making across product, design, and engineering.

Responsibilities

• Own the design and evolution of a core Bill Pay system, from technical design through launch, monitoring, and iteration.
• Build payment workflows across ACH, checks, cards, and international rails with safeguards against duplicates, late or incorrect payments.
• Develop AI-powered AP automation including invoice extraction and auto-coding to reduce manual review.
• Design data models keeping all bills, approvals, payments, and credits traceable to the general ledger.
• Build reliable ERP/integration connections with retries and partial failure handling.
• Improve reliability, performance, and observability of Bill Pay systems as volumes grow.
• Drive technical direction for your area with design reviews, code reviews, and mentorship.

Skills

Backend system design

End-to-end ownership

Idempotency & reliability

Product sense

Cross-functional collaboration

Job description

Ramp is seeking a senior backend engineer to own a core Bill Pay subsystem, shaping its technical direction and scaling as volume grows. You will design and deliver payment execution, bill intake, AI-powered extraction, approvals, and accounting sync.

You will collaborate with product, design, and payments partners to move money safely across ACH, checks, cards, and international rails while improving reliability and observability of the system.