# Software Engineer, Credit

**Company**: Ramp
**Location**: New York, NY
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Salary**: $189K - $330K
**Category**: Engineering
**Industry**: Finance

**Apply**: https://jobs.ashbyhq.com/ramp/5598f7b8-4ae2-4105-a2b4-2d0f55c54c40?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_508427df-0e8

## Description

## Compensation

- Target Base Salary $189K – $330K • Offers Equity

The final compensation will depend on the location and level at which you are hired.

## About the Role

The Credit Engineering team builds 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 in support of the most ambitious FinTech portfolio in the United States.

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.

## Benefits available to all full-time Ramp employees (Global)

- Flexible PTO

- Centralized home-office equipment ordering

- Health and wellness stipend

- Budget for intra-office travel

- Weekly coffee stipend

## United States

- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents

- One Medical annual membership

- 401(k), including employer match on contributions made while employed by Ramp

- Fertility HRA (up to $10,000 per year)

- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay

- Pet insurance

- In-office perks: lunch, snacks, drinks, and more

- Relocation expense coverage to NYC or SF (if needed)

## Skills

### Required
- Python
- distributed systems
- async frameworks
- data modeling
- technical specs
- auditability
- observability
- correctness guarantees

### Nice to have
- AI/LLMs
- financial optimization
- defensive programming
- feature stores
- rule engines
- ML platforms

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Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/ramp/5598f7b8-4ae2-4105-a2b4-2d0f55c54c40?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)