软件工程师，信贷
Software Engineer, Credit
关于Ramp
Ramp正在构建财务团队的智能基础设施，嵌入每笔业务支出的交易流程中。我们自动化处理超过2000亿美元的年支出，在70,000多家公司中流动：授权付款、标记风险、分类支出、以及结账。
这些问题高风险、数据密集且不容错误。
我们招聘具有高度自主性和紧迫感的人才。我们看重的是斜率而非截距。我们更关注你所构建的东西，而不是你在哪里学习的。在Ramp，每个人都是从头到尾负责问题的建造者，并做出影响结果的重要决策。
Ramp的中位客户在第一年节省了5%，营收增长16%——远超没有使用Ramp的企业。我们相信每个有抱负的公司都值得拥有同样的服务。
如果你希望构建直接塑造公司如何移动和管理数十亿美元的系统，Ramp就是你的选择。
关于该职位
信用工程团队构建使Ramp能够端到端管理企业信用生命周期的系统，从最初的信用评估到持续的组合策略优化。作为信用团队的工程师，你将负责支持美国最具雄心的金融科技组合的系统，这些系统通过产品堆栈中的数百万次决策，影响超过1000亿美元的年支付量。
我们正在寻找一名后端工程师，负责信用评估、限额管理、组合优化和代理工作流的技术路线图。你将构建稳健的系统，自动化复杂的操作任务，并维护支撑Ramp所有产品的高频控制机制。如果你对正确性有执念，对模糊性感到兴奋，并且热衷于分布式系统与金融策略交叉的问题，那么这个职位适合你。
你将负责：
- 为自动限额管理设计可扩展的状态系统，以优化Ramp的信用卡组合。
- 设想并构建下一代代理和工具，自动化手动信用决策并提高运营效率。
- 开发高吞吐量、低延迟的风险控制，以支持Ramp进入新产品、客户群体和地理区域。
- 设计并构建覆盖Ramp上企业信用生命周期的实时决策系统。
- 与分析师、数据科学家和产品团队紧密合作，将风险策略转化为可靠的软件。
查看英文原文
ABOUT RAMP
Ramp 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.
The problems are high-stakes, data-dense, and unforgiving.
We 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.
The 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.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
ABOUT THE ROLE
The 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.
We 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.
WHAT YOU'LL DO
- Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio.
- Envision and build the next generation of agents and tools that automate manual credit decisions and increase operational efficiency.
- Develop high-volume, low-latency risk controls to support Ramp’s expansion into new products, customer segments, and geographies.
- Design and build real-time decisioning systems spanning the entirety of a business's credit lifecycle on Ramp.
- Partner closely with analysts, data scientists, and product to translate risk strategies into reliable software.
WHAT YOU NEED
- 2+ years of backend engineering experience.
- Proficiency in Python or a comparable backend language.
- Experience working with distributed systems and async frameworks.
- Proficiency with converting abstract business problems into robust data models and technical specs.
- Experience building or operating systems with strict auditability, observability, and correctness guarantees.
- High ownership mentality – you care deeply about the systems you build.
- Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact.
NICE TO HAVES
- Experience leveraging AI/LLMs for development or for internal workflows.
- Interest in financial optimization problems.
- Willingness to learn and move fast while holding the bar on correctness.
- Defensive programming aptitude.
- Experience using feature stores, rule engines, and ML platforms in production.
BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL)
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
UNITED STATES
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- 401(k), including employer match on contributions made while employed by Ramp
- Fertility HRA (up to $10,000 per year)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
- Pet insurance
- In-office perks: lunch, snacks, drinks, and more
- Relocation expense coverage to NYC or SF (if needed)
CANADA
- Group medical, dental, and vision coverage through Sun Life
- Life, AD&D, and disability coverage
- Fertility drug coverage (up to $4,000 lifetime)
- Group Retirement Plan with employer match (RRSP + DPSP)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
- Employee Assistance Program and virtual care through Lumino Health
UNITED KINGDOM
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold, with salary sacrifice option
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
REFERRAL INSTRUCTIONS
If you are being referred for the role, please contact that person to apply on your behalf.
OTHER NOTICES
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice