{"id":81183,"url":"https://alion.io/job/ramp-software-engineer-credit","title":"Software Engineer, Credit","company":{"id":4342,"name":"Ramp","domain":"ramp.com","url":"https://alion.io/company/ramp","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"A","score":87,"open_postings":44,"ghost_share":0,"stale_share":0.523,"repost_share":0,"time_to_fill_p50_days":56,"computed_at":"2026-10-16T05:45:00Z"}},"role":"Backend","role_family":"Backend","seniority":"junior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["New York, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":189000,"max":330000,"currency":"USD","period":"year","gross":null,"usd_annual":330000},"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Agentic Workflows","optional":false},{"name":"Python","optional":false},{"name":"Feature Store","optional":true}],"status":"live","first_seen_at":"2026-05-13T20:28:14Z","employer_posted_date":"2026-05-13","last_verified_at":"2026-10-16T22:20:14Z","board_verified":true,"closed_at":null,"days_open":156,"trust":{"level":"ok","repost_count":0,"flags":[],"days_open":155},"description":"About Ramp\nRamp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.\nThe problems are high-stakes, data-dense, and unforgiving.\nWe hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.\nThe median Ramp customer saves 5% and grows revenue 16% in their first year - far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.\nIf you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.\nAbout the Role\nThe Credit Engineering team builds the 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.\nWe 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. If you are obsessed with correctness, excited by ambiguity, and passionate about problems at the intersection of distributed systems and financial strategy, this role is for you.\nWhat You'll Do\nArchitect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio.\n\nEnvision and build the next generation of agents and tools that automate manual credit decisions and increase operational efficiency.\n\nDevelop high-volume, low-latency risk controls to support Ramp’s expansion into new products, customer segments, and geographies.\n\nDesign and build real-time decisioning systems spanning the entirety of a business's credit lifecycle on Ramp.\n\nPartner closely with analysts, data scientists, and product to translate risk strategies into reliable software.\n\nWhat You Need\n2+ years of backend engineering experience.\n\nProficiency in Python or a comparable backend language.\n\nExperience working with distributed systems and async frameworks.\n\nProficiency with converting abstract business problems into robust data models and technical specs.\n\nExperience building or operating systems with strict auditability, observability, and correctness guarantees.\n\nHigh ownership mentality - you care deeply about the systems you build.\n\nAbility to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact.\n\nNice to Haves\nExperience leveraging AI/LLMs for development or for internal workflows.\n\nInterest in financial optimization problems.\n\nWillingness to learn and move fast while holding the bar on correctness.\n\nDefensive programming aptitude.\n\nExperience using feature stores, rule engines, and ML platforms in production.\n\nBenefits available to all full-time Ramp employees (Global)\nFlexible PTO\n\nCentralized home-office equipment ordering\n\nHealth and wellness stipend\n\nBudget for intra-office travel\n\nWeekly coffee stipend\n\nUnited States\n100% medical, dental & vision insurance coverage for you, with partial coverage for dependents\n\nOne Medical annual membership\n\n401(k), including employer match on contributions made while employed by Ramp\n\nFertility HRA (up to $10,000 per year)\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay\n\nPet insurance\n\nIn-office perks: lunch, snacks, drinks, and more\n\nRelocation expense coverage to NYC or SF (if needed)\n\nCanada\nGroup medical, dental, and vision coverage through Sun Life\n\nLife, AD&D, and disability coverage\n\nFertility drug coverage (up to $4,000 lifetime)\n\nGroup Retirement Plan with employer match (RRSP + DPSP)\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay\n\nEmployee Assistance Program and virtual care through Lumino Health\n\nUnited Kingdom\nPrivate medical insurance through Freedom Elite\n\nVirtual GP and at-home care via eMed x Livi\n\nWorkplace pension through Penfold, with salary sacrifice option\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay\n\nReferral Instructions\nIf you are being referred for the role, please contact that person to apply on your behalf.\nOther notices\nPursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.\nBeware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.\nRamp Applicant Privacy Notice","description_format":"text","description_chars":5240,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Health insurance","Insurance 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