Software Engineer Credit
Ramp is an AI-powered financial operations platform for businesses, combining corporate cards, expense management, bill payments, accounting automation, procurement, travel, treasury, and related finance workflows.
Maintainer signals as of 9/2/2026
About Ramp
Ramp is a privately held New York financial-services company founded in 2019. Its platform combines corporate cards, spend and expense management, bill payments, accounting automation, procurement, travel, treasury, and other financial-operations services. Ramp reports serving more than 70,000 companies.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. Architect scalable stateful systems, build real-time credit decisioning and risk controls, automate credit decisions, and partner with analysts, data scientists, and product partners to translate risk strategies into reliable software.
Requirements
- 2+ years of backend engineering experience.
- Proficiency in Python or a comparable backend language.
- Experience with distributed systems and async frameworks.
- Ability to convert abstract business problems into robust data models and technical specifications.
- Experience building or operating systems with strict auditability, observability, and correctness guarantees.
- Ability to work closely with non-engineering partners in Risk Strategy, Operations, and Sales.
Responsibilities
- Architect scalable, stateful systems for automated limit management.
- Build agents and tools that automate manual credit decisions and improve operational efficiency.
- Develop high-volume, low-latency risk controls for new products, customer segments, and geographies.
- Design and build real-time decisioning systems across the credit lifecycle.
- Partner with analysts, data scientists, and product partners to translate risk strategies into reliable software.
Benefits
- Equity
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 100% medical, dental, and vision insurance coverage for employees, with partial dependent coverage
- One Medical annual membership
- 401(k) with employer match
- Fertility HRA up to $10,000 per year
- Paid parental leave
- Pet insurance
- In-office meals and refreshments
- Relocation support to New York City or San Francisco