Software Engineer, Credit

Ramp is building the smart infrastructure for finance teams, automating how businesses manage their spending. The role involves developing systems for managing credit lifecycles and optimizing financial strategies, with a focus on building robust backend solutions.

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

Requirements:

• 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