Join the Credit Engineering team at Ramp as a backend engineer, where you will own the technical roadmap for underwriting, limit management, and portfolio optimization systems that influence over $100 billion in annual payment volume through millions of decisions across our product stack. You will architect scalable stateful systems, automate complex operational tasks, develop high-volume risk controls, and design real-time decisioning systems spanning a business's entire credit lifecycle. This role requires 2+ years of backend engineering experience with proficiency in Python or similar languages, along with expertise in distributed systems and async frameworks. Ideal candidates are passionate about problems at the intersection of distributed systems and financial strategy, possess strong ownership mentality, and can work closely with non-engineering partners to ensure robust data models and technical specs for reliable software solutions.
Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio.
Build next-generation agents and tools to automate manual credit decisions and increase operational efficiency.
Develop high-volume, low-latency risk controls supporting Ramp’s expansion into new products and markets.
Design real-time decisioning systems covering the entire business credit lifecycle on Ramp.
Translate complex risk strategies into reliable software in partnership with analysts and data scientists.
What we're looking for
2+ years of backend engineering experience.
Proficiency in Python or a comparable backend language.
Experience with distributed systems and async frameworks.
Ability to convert business problems into robust data models and technical specs.
Track record of building or operating highly auditable, observable, correct systems.
Strong ownership mentality and collaboration skills with non-engineering teams.
Obsession with correctness in high-frequency risk control systems.
Market check
Salary context
This
$168,000–$275,100
range sits above
97%
of similar postings on FindRole.
Peer median band
$117,000–$198,250
Median floor and ceiling across peers.
Typical midpoint (25–75%)
$135,000–$175,500
Middle half of comparable postings.
Based on 240 comparable postings.*
* 240 is the maximum number of comparable postings sampled.
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
30 open roles
on FindRole.
Listed pay typically runs
$168,000–$287,450
across 30 roles with salary data.
Remote (Usa-San Jose, US)108 days ago
$165,000–$277,600
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