Software Engineer, Credit

Ramp; New York (NY); On-site; USD 120,000 - 160,000; Full time

Job summary

Ramp is seeking a backend engineer to join the Credit Engineering team. In this role, you will design and build systems that manage credit lifecycles for businesses, impacting over $100 billion in annual payment volume. Candidates should have 2+ years of experience and proficiency in Python.

You will work closely with non-engineering partners and be responsible for the technical roadmap for underwriting and portfolio optimization. Ideal candidates will enjoy solving complex problems and have a high ownership mentality.

Qualifications

• 2+ years of backend engineering experience.
• Proficiency in Python or a comparable backend language.
• Experience working with distributed systems and async frameworks.

Responsibilities

• Own the technical roadmap for underwriting and limit management.
• Build robust systems and automate complex operational tasks.
• Design real-time decisioning systems for the credit lifecycle.

Skills

Backend engineering

Python

Distributed systems

Auditability and observability

Defensive programming

Tools

ML platforms

Feature stores

Rule engines

Job description

Requirements

• 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
• 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
• (Desirable) Experience leveraging AI/LLMs for development or for internal workflows
• (Desirable) Interest in financial optimization problems
• (Desirable) Willingness to learn and move fast while holding the bar on correctness
• (Desirable) Defensive programming aptitude
• (Desirable) Experience using feature stores, rule engines and ML platforms in production

What the job involves

• 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
• 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