Software Engineer (Credit)

Join Ramp, a leading FinTech company, as a Software Engineer on the Credit Engineering team. In this role, you will own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust systems, automate complex operational tasks, and maintain high-frequency controls that power all of Ramp's products. This position offers comprehensive benefits, unlimited PTO, and the opportunity to make a significant impact in the financial industry.

• Concevoir et construire des systèmes de décision en temps réel couvrant l'ensemble du cycle de vie du crédit d'une entreprise sur Ramp.
• Collaborer étroitement avec des analystes, des data scientists et des équipes produit pour traduire les stratégies de risque en logiciels fiables.
• Architecturer des systèmes évolutifs et d'état pour la gestion automatisée des limites afin d'optimiser le portefeuille de cartes de crédit de Ramp.
• 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
• High ownership mentality – you care deeply about the systems you build
• Experience working with distributed systems and async frameworks
• 2+ years of backend engineering experience
• Proficiency with converting abstract business problems into robust data models and technical specs
• Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact
• Proficiency in Python or a comparable backend language
• Experience building or operating systems with strict auditability, observability, and correctness guarantees
• Experience leveraging AI/LLMs for development or for internal workflows
• Interest in financial optimization problems
• Defensive programming aptitude
• Experience using feature stores, rule engines and ML platforms in production
• Willingness to learn and move fast while holding the bar on correctness