Software Engineer, Credit

About this role

Ramp seeks a backend engineer to build critical systems for managing credit lifecycles, including underwriting, limit management, and automated decision-making. You'll own technical infrastructure handling $100+ billion in annual payment volume while partnering with risk, data, and product teams.

What you'll do

• Design scalable, stateful systems for automated credit limit management across Ramp's charge card portfolio
• Build agentic workflows and tools to automate manual credit decisions and improve operational efficiency
• Develop high-volume, low-latency risk controls supporting expansion into new products and customer segments
• Create real-time decisioning systems spanning the full credit lifecycle for businesses
• Partner with analysts, data scientists, and product teams to translate risk strategies into production software
• Maintain systems with strict auditability, observability, and correctness guarantees

What they're looking for

• Backend engineering (2+ years)
• Python or comparable backend language
• Distributed systems and async frameworks
• Data modeling and technical specification writing
• Systems design with high reliability and auditability requirements
• AI/LLM application development (nice to have)
• Feature stores, rule engines, and ML platforms
• Defensive programming practices

Benefits

• Flexible PTO and unlimited AI token usage
• Comprehensive medical, dental, and vision insurance (100% coverage for employee, partial for dependents)
• 401(k) with employer match and One Medical membership
• Up to 16 weeks parental leave at 100% pay
• Home office equipment, health wellness stipend, and relocation support to NYC or SF
• In-office perks including meals, snacks, and pet insurance