Software Engineer (Banking)

Join Ramp, a fast-growing fintech company, as a Software Engineer in the Payments and Banking team. You will design and build large-scale backend systems for money movement, architect clean and extensible abstractions for complex payments infrastructure, and interface with diverse third-party banking and payments partners. You will own problems end to end, from technical architecture to production reliability to partner integrations. The role requires a strong background in backend or platform engineering, familiarity with financial concepts, and experience in fintech, payments, or banking.

• Design and build large-scale backend systems for money movement with strict correctness requirements.
• Architect clean, extensible abstractions for complex payments infrastructure — making it easier for other teams to interface with financial rails.
• Own problems end to end — from technical architecture to production reliability to partner integrations.
• Experience integrating with third-party financial APIs or banking partners
• Background working closely with enterprise customers or navigating treasury management systems
• A builder mentality — you own outcomes, not just tickets
• Familiarity with financial concepts: billing, reconciliation, ledgering, banking flows
• 3+ years of backend or platform engineering experience, ideally in high-scale production environments
• Strong systems design skills — you can take ambiguous requirements and architect reliable, maintainable solutions
• Comfort with distributed systems, performance optimization, and production reliability
• Experience in fintech, payments, or banking (ACH, card rails, crypto, ledgers)
• Experience thriving in fast-moving environments with high ambiguity and independent problem-solving
• Nice to Have