Software Engineer, Credit

About Ramp

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

About the Role

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.

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.

What You'll 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 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.

What You Need

• 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.

Nice to Haves

• 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.