Software Engineer (Credit)

• 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

Benefits

• Comprehensive medical, dental, and vision insurance
• One Medical Membership
• 401(k) including an employer match
• Parental leave
• Monthly wellness stipend
• Unlimited PTO
• Relocation support to move to NYC
• WFH stipend
• Pet Insurance

• 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
• Experience building or operating systems with strict auditability, observability, and correctness guarantees
• High ownership mentality – you care deeply about the systems you build
• Proficiency in Python or a comparable backend language
• Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact
• Experience working with distributed systems and async frameworks
• Proficiency with converting abstract business problems into robust data models and technical specs
• Experience leveraging AI/LLMs for development or for internal workflows
• Interest in financial optimization problems
• Defensive programming aptitude
• Experience using feature stores, rule engines and ML platforms in production
• Willingness to learn and move fast while holding the bar on correctness