Software Engineer, Credit

Aptiora; New York (NY); Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment ordering

Health and wellness stipend

Travel budget

Job summary

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

Ramp is seeking a leader to manage engineering teams, taking concepts from prototype to production in complex technical systems, with a medium leadership and AI/domain intensity footprint.

Responsibilities

• Manage engineering team
• From prototype to production
• Complex technical systems

Job description

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

Manage engineering team

From prototype to production

Complex technical systems

Leadership scope Medium

AI / domain intensity Medium

Why this role matters

• Work on a core product area for the next era of AI.
• Bridge product ambition with research and infrastructure reality.

Where the uncertainty is

• Exact team size, reporting line, and near-term mandate are not fully visible from the public posting.
• Compensation, equity, or leveling details are not explicit yet.
• Onsite and hybrid expectations may matter more than the headline location suggests.
• The balance between research, product, and infrastructure responsibilities may still be broad.
• 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.

Evidence this role rewards

• Experience in distributed systems and production engineering.
• Hands-on comfort with modern AI or multimodal product stacks.
• Leadership experience in fast-moving or high-ownership teams.
• Track record of turning complex ideas into shipped products.

What to verify before acting

• Team mission, size, and what success looks like in the first months.
• Reporting structure, level expectations, and decision authority.
• Whether the real scope is product, research, infrastructure, or a blend.
• Working model, compensation, equity, and interview process.

Conditions noted: 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 &

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