Ramp
Software Engineer, Credit
$189K–$330K
New York, NY (HQ) · Hybrid · Full-time · Posted May 13, 2026
- Experience
- 2+ years of backend engineering experience.
About the job
Build and own backend systems for business credit, including underwriting, limit management, portfolio optimization, and automated credit decisions.
What you'll do
- Architect scalable systems for automated credit-limit management and portfolio optimization.
- Build agents, tools, and real-time decisioning systems to automate credit decisions and operational tasks.
- Develop high-volume risk controls and partner with analysts, data scientists, and product to implement risk strategies.
What they ask for
- Proficiency in Python or a comparable backend language.
- Experience with distributed systems and async frameworks.
- Ability to translate business problems into robust data models and technical specifications.
- Experience building or operating systems with strict auditability, observability, and correctness guarantees.
Nice to have
- Experience using AI/LLMs for development or internal workflows.
- Experience with feature stores, rule engines, and ML platforms in production.
Pay
$189K – $330K USD base salary
Tools
Python
AI focus
Build agents and tools to automate manual credit decisions; experience leveraging AI/LLMs for development or internal workflows is a nice-to-have.
Model-written summary · the original posting is authoritative