Software Engineer, Credit

Ramp

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Hybrid

Quick summary

Work type: Hybrid
Location: New York City, NY
Salary: $189,000–$330,000 / yr
Employment: Full-time
Posted: 167 days ago
Freshness: Confirmed live today
Nearby: 99+ roles within 25 mi

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $178k

This role $260k

$108k $354k

below market most similar roles pay here above market

This role pays more than 97% of similar roles. Most pay $142,400–$214,500 — the blue band above. At the midpoint, this role pays about $260k versus about $178k 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 25 open roles on FindRole.

Listed pay typically runs $189,000–$325,000 across 21 roles with salary data.

Most-posted roles

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At a glance

TL;DR · Software Engineer, Credit

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Software Engineer, Credit joins the Credit Engineering team to build systems managing end-to-end credit lifecycles, including underwriting and portfolio strategy optimization. This backend role involves owning the technical roadmap for limit management, agentic workflows, and high-frequency controls that influence significant annual payment volumes. You will architect scalable, stateful systems, develop low-latency risk controls, and design real-time decisioning systems to automate manual credit decisions. The role requires proficiency in Python or comparable backend languages, experience with distributed systems and async frameworks, and the ability to convert abstract business problems into robust data models. You must ensure strict auditability, observability, and correctness guarantees while partnering with analysts and data scientists to translate risk strategies into reliable software within a complex financial services environment.

What does a Software Engineer earn in New York?

Median $216000 from 270 postings across 57 companies.

See salary data

Skills

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

What you'll do

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

What we're looking for

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.
Ability to work closely with non-engineering partners to create impact.
Experience leveraging AI/LLMs for development or for internal workflows (preferred).
Experience using feature stores, rule engines, and ML platforms in production (preferred).

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