Software Engineer, Credit

Ramp

Confirmed live 2 days ago High trust

Remote

Quick summary

Work type: Remote
Location: New York, NY
Salary: $189,000–$330,000 / yr
Posted: 121 days ago
Freshness: Confirmed live 2 days ago
Nearby: 99+ roles within 25 mi

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $184k

This role $260k

$120k most similar roles pay here $352k

This role pays more than 91% of similar roles. Most pay $149,375–$217,725 — the shaded band above. At the midpoint, this role pays about $260k versus about $184k for comparable roles.

Based on 240 similar postings.

Employer

About Ramp

Ramp is a corporate spend management platform providing corporate cards, expense management, and accounts payable automation tools to help businesses control spending and operate more efficiently. Industry: Financial Technology & Corporate Spend Management

Ramp currently has 34 open roles on FindRole.

Listed pay typically runs $168,000–$297,330 across 34 roles with salary data.

Most-posted roles

View all roles at Ramp

At a glance

TL;DR · Software Engineer, Credit

Role Posting Log in to save

As a Software Engineer, Credit, you will join the Credit Engineering team to build systems managing end-to-end credit lifecycles, including underwriting, limit management, and portfolio strategy optimization. You will be responsible for architecting scalable, stateful systems for automated limit management, developing high-volume, low-latency risk controls, and building agentic workflows to automate manual credit decisions. The role involves designing real-time decisioning systems and translating complex risk strategies into reliable software while ensuring strict auditability and correctness. You will utilize Python or comparable backend languages to develop distributed systems and asynchronous frameworks. Key technical requirements include experience with data modeling, defensive programming, and potentially utilizing feature stores, rule engines, and ML platforms. The work focuses on the intersection of distributed systems and financial strategy to manage high-volume payment flows and complex credit lifecycle operations.

What does a Software Engineer earn in New York?

Median $224000 from 203 postings across 41 companies.

See salary data

Skills

Python Distributed Systems Async Frameworks LLMs AI Feature Stores Rule Engines ML Platforms Backend Engineering Observability Defensive Programming

What you'll do

Architect scalable, stateful systems for automated limit management to optimize the charge card portfolio.
Build next-generation agents and tools to automate manual credit decisions and improve operational efficiency.
Develop high-volume, low-latency risk controls to support expansion into new products and geographies.
Design and build real-time decisioning systems spanning the entire business credit lifecycle.
Translate complex risk strategies from analysts and data scientists into reliable software components.
Convert abstract business problems into robust data models and technical specifications.
Maintain high-frequency controls with strict auditability, observability, and correctness guarantees.

What we're looking for

At least 2 years of backend engineering experience.
Proficiency in Python or a comparable backend language.
Experience working with distributed systems and async frameworks.
Ability to convert abstract business problems into robust data models and technical specifications.
Experience building or operating systems with strict auditability, observability, and correctness guarantees.
High ownership mentality regarding the systems built.
Ability to collaborate with non-engineering partners like Risk Strategy, Ops, and Sales.
Experience leveraging AI/LLMs for development or internal workflows is preferred.