Senior Engineer, Backend, Bill Pay

Ramp; New York (NY); On-site; USD 180,000 - 240,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment ordering

Health and wellness stipend

Intra-office travel budget

Weekly coffee stipend

Job summary

Ramp is seeking a senior backend engineer to own a core Bill Pay subsystem. You will design, build, and operate payment execution, bill intake, AI-powered extraction, approvals, and accounting sync with cross-functional teams across product, design, and payments.

You will lead data model design, ensure correctness and reliability at scale, and create robust integrations with ERP/accounting systems. This role offers relocation support to major US tech hubs and a strong emphasis on engineering

Qualifications

• Proven experience designing, building, and operating production backend systems.
• Track record of owning a system or product area end to end.
• Strong judgment on correctness, idempotency, and reliability in financial workflows.

Responsibilities

• Own the design and evolution of a core Bill Pay subsystem from design to launch and monitoring.
• Build payment workflows across ACH, checks, cards, and international rails with safeguards.
• Develop AI-powered AP automation like invoice extraction and auto-coding.
• Design data models for bills, approvals, payments, and credits.
• Create reliable ERP/accounting integrations with retry and edit handling.
• Improve reliability, performance, and observability for growing volumes.
• Drive technical direction and mentor teammates through reviews.

Skills

Backend systems

APIs

System design

Ownership mindset

Reliability & correctness

Tools

PostgreSQL

AWS

Kubernetes

Job description

About Ramp

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

The problems are high-stakes, data-dense, and unforgiving.

We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.

The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.

If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.

About The Role

Paying vendors is one of the most manual, error-prone jobs in finance. Invoices arrive by email and PDF, get keyed in by hand, wait on approvals, and then have to be paid on time, by the right method, for the right amount, and recorded correctly in the books. A single mistake can mean a late fee, a duplicate payment, or an unhappy vendor.

Ramp's Bill Pay team builds the accounts payable system that automates that work end to end: bill intake and parsing, approvals, payment execution by ACH, check, card, and international transfer, vendor credits, and sync to customers' accounting systems. Bill Pay is one of Ramp's fastest-growing products, and businesses rely on it every day to move large amounts of money.

We're looking for a senior backend engineer to own a core part of that system. You'll take responsibility for an area such as payment execution, bill intake and AI-powered extraction, approvals, or accounting sync, set its technical direction within the team, and keep it correct and reliable as volume grows. You'll work closely with product, design, and payments partners to make accounts payable faster and more trustworthy for finance teams.

What You'll Do

• Own the design and evolution of a core Bill Pay system, such as payment execution, bill intake, approvals, or accounting sync, from technical design through launch, monitoring, and iteration
• Build payment workflows that move money correctly across ACH, check, card, and international rails, with strong safeguards against duplicate, late, or incorrect payments
• Build AI-powered AP automation, including invoice extraction, auto-coding, and agents that reduce manual review for finance teams
• Design data models that keep every bill, approval, payment, and credit accurate and traceable through to the general ledger
• Build reliable integrations with ERPs and accounting systems that stay consistent through retries, partial failures, and edits on either side
• Improve the reliability, performance, and observability of Bill Pay systems as customers process larger payment volumes
• Drive technical direction for your area and raise the engineering bar through design reviews, code reviews, and mentorship

What You'll Need

• Experience designing, building, and operating production backend systems, including APIs, data models, and asynchronous workflows
• A track record of owning a system or product area end to end and shaping its technical direction over time
• Strong system design judgment, especially around correctness, idempotency, and reliability in systems where mistakes have real financial impact
• Product sense: you care about the customer problem, not just the ticket, and you balance speed with quality
• Clear communication and a collaborative approach to technical decisions across product, design, and engineering

Nice to Haves

• Experience with accounts payable, payments, money movement, or other financial systems
• Experience building integrations with ERPs or accounting systems, such as NetSuite or QuickBooks
• Experience applying LLMs, OCR, or other automation to document processing or financial workflows
• Experience scaling high-volume, event-driven systems

Benefits Available To All Full-time Ramp Employees (Global)

• Flexible PTO
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend

United States

• 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• 401(k), including employer match on contributions made while employed by Ramp
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation expense coverage to NYC or SF (if needed)

Canada

• Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility drug coverage (up to $4,000 lifetime)
• Group Retirement Plan with employer match (RRSP + DPSP)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health

United Kingdom

• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

Other Notices

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Ramp Applicant Privacy Notice

Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.