Machine Learning Engineer

Reposted 2 Days Ago
Hiring Remotely in New York, NY, USA
Remote or Hybrid
200K-330K Annually
Senior level
Fintech • Financial Services
Ramp helps thousands of businesses control spend, save time, automate busywork—and save an average of 3.5%.
The Role
The Senior Applied Scientist will design and optimize credit risk models using machine learning, collaborating with cross-functional teams to translate business problems into technical solutions and drive scalable risk decisions.
Summary Generated by Built In
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

We’re seeking someone to lead the future of fraud machine learning at Ramp. In this role, you will help build core machine learning models, design data architectures, and set strategic roadmaps to help Ramp mitigate fraud-related threats while minimizing the friction experience by legitimate users. You will partner closely with product and engineering counterparts across model design, implementation, execution, and analysis.

What You’ll Do
  • Employ statistical and machine learning techniques on large datasets to discover patterns of fraud, platform abuse, and identity theft

  • Prototype and productionize machine learning models and rules-based systems to protect Ramp and its users from fraud

  • Partner closely with Fraud Engineering and Data Platform teams to augment and leverage data across first and third party sources, ensuring we’ve added as much context as possible to every decision we make

  • Contribute to the culture of Ramp’s machine learning team by influencing processes, tools, and systems that will allow us to make better decisions in a scalable way

What You Need
  • Bachelor’s degree or above in Math, Economics, Physics, Computer Science, or other quantitative fields

  • A minimum of 5 years of industry experience as a Machine Learning Engineer, Applied Scientist or Data Scientist

  • Strong python experience (numpy, pandas, sklearn, pytorch etc.) across ML techniques and backend engineering

  • Prior experience deploying Machine Learning models to production and making meaningful contribution to backend systems

  • Strong knowledge of SQL (Snowflake, Postgres, etc.)

  • Fluency with agentic (AI) tools for software development and data analysis

  • Ability to thrive in a fast-paced, constantly improving, start-up environment that focuses on solving problems with iterative technical solutions

Nice-to-Haves
  • PhD in Math, Economics, Physics, Computer Science, or other quantitative fields

  • Context on Fraud and/or Identity Threat detection systems

  • Experience at a high-growth startup

  • Experience with the modern data stack ( Snowflake / Hex / dbt / RisingWave / etc )

  • Strong perspective on data science + ML engineering development cycle, especially in a post-AI setting

  • Experience developing LLM-backed systems or tools

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 email addresses and will never ask for payment or sensitive personal information during the hiring process.

 

Ramp Applicant Privacy Notice

Skills Required

  • Bachelor's degree or above in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields.
  • 5+ years of industry experience as an Applied Scientist, Machine Learning Engineer, Research Scientist, or equivalent; or 3+ years with a PhD
  • Strong familiarity with advanced statistics, machine learning, optimization, and/or economics
  • Experience working with large datasets using Python and SQL
  • Strong Python experience across exploratory data analysis, predictive modeling, and applied machine learning
  • Strong communication skills to bridge technical methodology with data narratives
  • Track record of shipping high-quality machine learning products in production and at scale
  • Ability to thrive in a fast-paced, start-up environment

Ramp Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ramp and has not been reviewed or approved by Ramp.

  • Fair & Transparent Compensation — Fair & Transparent Compensation: Pay is positioned as competitive or top-of-market in core technical roles, with strong base pay and total compensation ranges cited for engineers and product roles. Compensation is also framed as including meaningful equity alongside salary, making offers feel compelling versus many startup benchmarks.
  • Healthcare Strength — Healthcare Strength: Healthcare coverage is described as comprehensive, often including medical, dental, and vision, with additional primary-care access via a One Medical membership. The package is portrayed as above-average on employer coverage for employees, increasing perceived value of the benefits bundle.
  • Retirement Support — Retirement Support: A 401(k) with an employer match is consistently included as a core benefit. Immediate or meaningful matching is presented as a concrete financial benefit that goes beyond a basic plan offering.

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The Company
HQ: New York, NY
450 Employees
Year Founded: 2019

What We Do

Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. More than 10,000 customers cut their expenses by 3.5% per year and closing their books 8x faster by switching to the Ramp platform. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow at an increasingly large scale, more than doubling its revenue run rate in the first half of 2022. Valued at $8.1 billion, Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp was named Fast Company’s most innovative finance company in 2022.

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