Software Engineer, Credit

Ramp· New York, US

Posted October 29, 2026

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Experience
2+ years
Pay
$168K – $275K per year
Education
Not specified
Location
New York, US
Work mode
Hybrid
Job type
Full-time

About this role

Ramp builds spend management and finance automation software for businesses. The Credit Engineering team owns underwriting, limit management and portfolio optimization, and this backend role covers real-time decisioning systems and agent tooling that automate credit decisions.

What you will do

  • Architect stateful systems for automated credit limit management
  • Build agents and tools that automate manual credit decisions
  • Develop high-volume, low-latency risk controls
  • Design real-time decisioning across the credit lifecycle
  • Work with analysts, data scientists and product on risk strategy

What the employer expects

  • 2+ years of backend engineering
  • Proficiency in Python or a comparable backend language
  • Experience with distributed systems and async frameworks
  • Turns business problems into data models and technical specs
  • Experience with auditability, observability and correctness guarantees
  • Works well with non-engineering partners

Benefits

  • Flexible PTO
  • Home-office equipment ordering
  • Health and wellness stipend
  • US: 100% medical, dental and vision for employee
  • US: 401(k) with employer match
  • US: up to 16 weeks parental leave at 100% pay
  • US: Fertility HRA up to $10,000 per year
  • US: pet insurance

Skills

  • Python
  • Distributed systems
  • Async frameworks
  • Data modeling
  • Observability
  • Risk controls
  • AI/LLMs
  • Feature stores
  • Rule engines

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The application opens on Ramp careers page (Ashby). Dev Portal Notes does not collect your application or charge a fee.

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