Ramp의 Credit Engineering 팀에서 신용 수명 주기 관리 시스템을 설계할 백엔드 엔지니어를 찾습니다. Python 기반의 분산 시스템 구축 경험과 비즈니스 문제를 기술적으로 해결하는 능력이 필수입니다. 금융 전략을 소프트웨어로 구현하며 대규모 결제 볼륨을 다루는 고도의 책임감을 가진 분을 환영합니다.
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.
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 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.
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.
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.
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.
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.
Flexible PTO
Unlimited AI token usage
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
Relocation support to NYC or SF (as needed)
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
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
If you are being referred for the role, please contact that person to apply on your behalf.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
