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Software Engineer, Credit

Ramp· Engineering
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Hybrid (New York, NY (HQ))$189k - $330kFull-timePosted 8mo ago

About the role

The Credit Engineering team builds systems to manage Ramp's credit lifecycles end-to-end, from underwriting to portfolio optimization. The role focuses on building scalable backend systems, real-time decisioning, and risk controls to influence multi-billion-dollar payment volumes across Ramp’s fintech product stack.

Responsibilities

  • 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.

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 – you care deeply about the systems you build.
  • Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact.

Skills

Required:Backend engineeringDistributed systems and async frameworksData modeling and technical specsAuditability, observability, correctnessCross-functional collaboration

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 (US)
  • One Medical annual membership (US)
  • 401(k), including employer match (US)
  • Fertility HRA (US)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay (US)
  • Pet insurance (US)
  • In-office perks: lunch, snacks, drinks, and more (US)
  • Relocation expense coverage to NYC or SF (US)
  • Group medical, dental, and vision coverage through Sun Life (Canada)
  • Life, AD&D, and disability coverage (Canada)
  • Fertility drug coverage (Canada)
  • Group Retirement Plan with employer match (Canada)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay (Canada)
  • Employee Assistance Program and virtual care through Lumino Health (Canada)
  • Private medical insurance through Freedom Elite (UK)
  • Virtual GP and at-home care via eMed x Livi (UK)
  • Workplace pension through Penfold, with salary sacrifice option (UK)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay (UK)
Last updated Oct 22, 2026. Interested? Apply on the company site.
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About Ramp

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