Software Engineer, Backend, Credit

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

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

The Credit Engineering team builds the systems that enable Ramp to manage credit lifecycles for businesses end-to-end, from initial underwriting through ongoing portfolio strategy optimization. As an engineer on Credit, you’ll own systems that influence $100+ billion in annual payment volume through millions of decisions across our product stack in support of the most ambitious FinTech portfolio in the United States.

We are looking for a backend engineer to own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust systems, automate complex operational tasks, and maintain the high-frequency controls that power all of Ramp’s products. If you are obsessed with correctness, excited by ambiguity, and passionate about problems at the intersection of distributed systems and financial strategy, this role is for you.

What You'll Do

• Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio.

• Envision and build the next generation of agents and tools that automate manual credit decisions and increase operational efficiency.

• Develop high-volume, low-latency risk controls to support Ramp’s expansion into new products, customer segments, and geographies.

• Design and build real-time decisioning systems spanning the entirety of a business's credit lifecycle on Ramp.

• Partner closely with analysts, data scientists, and product to translate risk strategies into reliable software.

What You Need

• 2+ years of backend engineering experience.

• Proficiency in Python or a comparable backend language.

• Experience working with distributed systems and async frameworks.

• Proficiency with converting abstract business problems into robust data models and technical specs.

• Experience building or operating systems with strict auditability, observability, and correctness guarantees.

• High ownership mentality – you care deeply about the systems you build.

• Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact.

Nice to Haves

• Experience leveraging AI/LLMs for development or for internal workflows.

• Interest in financial optimization problems.

• Willingness to learn and move fast while holding the bar on correctness.

• Defensive programming aptitude.

• Experience using feature stores, rule engines, and ML platforms in production.

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.

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