Software Engineer, Backend, Credit

The role

You will own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will build scalable systems, automate credit decisions, and develop risk controls for the credit lifecycle.

What you will 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.
• Develop high-volume, low-latency risk controls to support expansion into new products, segments, and geographies.
• Design and build real-time decisioning systems spanning the entirety of a business's credit lifecycle.
• Partner with analysts, data scientists, and product to translate risk strategies into reliable software.

Required qualifications

• 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.
• Ability to work closely with non-engineering partners.

Nice to have

• 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

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

About the company

Ramp builds smart infrastructure for finance teams to automate spend, authorize payments, flag risk, and close books. They serve over 85,000 companies.