Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $100B in annualized spend flows in and out of 50,000+ 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 RoleThe Risk Engineering team builds the systems that enable Ramp to move quickly without compromising trust. As an engineer on Risk, 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 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 DoArchitect 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 Risk 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’ tenure on Ramp.
Partner closely with analysts, data scientists and product to translate risk strategies into reliable software.
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.
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.
100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees
Health and Wellness stipend
In-office perks: lunch, snacks, drinks, and more
Budget for intra-office travel
Relocation support to NYC or SF (as needed)
If you are being referred for the role, please contact that person to apply on your behalf.
Other noticesPursuant 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.
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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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