# Senior Backend Engineer | Accounts Receivable
**Company:** [Ramp](https://scaleengineer.com/companies/ramp)
Senior Backend Engineer at Ramp specializing in Accounts Receivable, responsible for building and operating the automated payment-matching and cash application systems that handle billions in transaction flow. This role combines core backend engineering challenges—data model design, API architecture, asynchronous workflows, and ERP integrations—with high-stakes financial domain logic where accuracy must be maintained to the cent. You'll own projects end-to-end from technical design through production monitoring, mentoring engineers, and directly improving financial workflows for thousands of businesses globally.
**Role:** Backend Engineer
**Seniority:** Senior
**Locations:** New York, NY (HQ)
**Salary:** 204000–280000 USD
[Apply](https://jobs.ashbyhq.com/ramp/47a75895-24af-49b7-9858-1be0ec0e7c71)
Canonical: https://scaleengineer.com/jobs/ramp/senior-backend-engineer-accounts-receivable
---
## Responsibilities

- Payment Matching System Architecture: Design and implement intelligent payment-matching algorithms that automatically apply incoming ACH, wire, card, and check payments to correct invoices despite incomplete or inconsistent payment details. This involves building robust matching heuristics, handling edge cases in payment reconciliation, and ensuring zero-knowledge loss in financial transactions.
- Financial Data Model Design: Create and maintain accurate, auditable data models ensuring complete traceability of every dollar from invoice creation through payment to general ledger reconciliation. Design schemas supporting complex financial workflows while maintaining data integrity and enabling efficient querying for reporting and analytics.
- ERP Integration Development: Build and maintain bidirectional integrations with enterprise accounting systems including NetSuite and QuickBooks that preserve data consistency across system boundaries, handle partial failures gracefully, and support editing on both sides without creating conflicts or data corruption.
- Collections Workflow Implementation: Develop automated collections workflows and business logic that accelerate cash collection while maintaining positive customer relationships. Implement dunning management, payment reminder systems, and analytics to optimize collection efficiency across diverse customer bases.
- End-to-End Project Ownership: Take full ownership of backend projects from problem definition and requirements validation through technical design, implementation, testing, production deployment, monitoring setup, and iterative improvements based on real-world usage patterns.
- Engineering Excellence and Mentorship: Raise the technical bar across the team through rigorous design reviews, thorough code reviews, architectural mentorship, and knowledge sharing. Guide junior engineers on system design decisions, production readiness standards, and best practices for building reliable financial infrastructure.
- Production System Reliability: Own operational stability and monitoring for payment processing systems handling billions in annual transaction volume. Implement comprehensive observability, alerting, and incident response procedures to minimize downtime and ensure consistent service delivery.
- Cross-functional Collaboration: Work closely with product managers and design teams to translate complex financial workflows into intuitive, reliable software. Provide technical perspective on product decisions, identify technical blockers early, and push back when specifications don't align with engineering feasibility or financial correctness principles.

## Requirements

### education

- {"name":"Computer Science or Related Degree","description":"Bachelor's degree in Computer Science, Computer Engineering, related technical field, or equivalent professional experience. Ramp prioritizes demonstrated capabilities and work quality over formal credentials."}

### technical

- {"name":"Production Backend Systems Design","description":"Demonstrated experience designing, building, and operating production backend systems at scale. Strong understanding of API design patterns, RESTful architecture, database schema design, and handling high-volume transaction processing with correctness guarantees."}
- {"name":"Data Modeling and Database Architecture","description":"Expertise in designing complex data models for financial and transactional workflows. Proficiency with relational databases, understanding of normalization principles, ability to optimize for both ACID compliance and query performance in high-frequency transaction systems."}
- {"name":"Asynchronous Systems and Message Queues","description":"Strong experience building asynchronous, event-driven backends using message queues and job processing systems. Understanding of distributed systems challenges including eventual consistency, idempotency, exactly-once semantics, and failure recovery in async workflows."}
- {"name":"System Design and Architecture","description":"Proven ability to make sound system design judgments balancing multiple competing concerns: correctness and consistency, performance and scalability, reliability and fault tolerance, operational simplicity and observability. Experience designing systems handling critical business logic at scale."}
- {"name":"API Design and Integration","description":"Experience designing robust APIs and building integrations between multiple systems. Understanding of integration patterns, error handling in distributed systems, versioning strategies, and maintaining backward compatibility while evolving systems."}
- {"name":"Backend Programming Languages","description":"Strong proficiency in at least one backend programming language commonly used in production systems (Python, Java, Go, Node.js, Typescript, or similar). Ability to write clean, maintainable, well-tested code and make pragmatic language and framework choices."}

### experience

- {"name":"Senior-Level Backend Engineering","description":"Minimum 5-7 years of professional backend engineering experience with demonstrated progression to senior level. Track record of independently owning and shipping complex systems without extensive oversight, and visibility in leading technical decisions within engineering teams."}
- {"name":"Complex Project Ownership","description":"Proven ability to independently own complex, multi-phase projects from conception through production launch and beyond. Experience managing technical dependencies, coordinating across teams, and delivering high-quality results on ambitious timelines."}
- {"name":"Production Operations and Debugging","description":"Direct experience operating production systems, debugging complex issues across infrastructure and application layers, understanding monitoring and observability principles, and making decisions that prioritize reliability and customer impact."}
- {"name":"Collaborative Technical Leadership","description":"Experience providing technical mentorship to junior engineers, conducting thorough code and design reviews, and raising technical standards within engineering teams. Demonstrated ability to make technical decisions collaboratively while maintaining clear vision."}
- {"name":"Financial Systems (Preferred)","description":"Previous exposure to financial domain workflows including invoicing, billing, payment processing, accounting principles, or related areas. Understanding of regulatory and compliance considerations in financial software development."}
- {"name":"Cross-System Integration Experience","description":"Background building and maintaining integrations that keep data consistent across multiple systems, handling partial failures, retries, and coordinating state across boundaries. Experience with ERP systems or other enterprise software integration."}

## Skills

### required

- {"name":"Python or Java","description":"Proficiency in Python, Java, Go, or similar backend languages used in production systems. Ability to write clean, efficient, well-tested code and make pragmatic decisions about language-specific frameworks and libraries."}
- {"name":"SQL and Relational Databases","description":"Strong SQL skills and hands-on experience with PostgreSQL, MySQL, or similar RDBMS. Ability to write efficient queries, design schemas, understand indexing strategies, and troubleshoot database performance issues in production."}
- {"name":"API Design and Microservices","description":"Experience designing RESTful or GraphQL APIs, understanding API versioning and backward compatibility, building microservices or service-oriented architectures, and integrating multiple services together."}
- {"name":"Asynchronous Programming","description":"Practical experience with async patterns, message queues (Kafka, RabbitMQ, SQS), job processing systems, and event-driven architecture. Understanding of distributed systems challenges and eventual consistency models."}
- {"name":"System Design and Architecture","description":"Ability to architect backend systems with consideration for scalability, fault tolerance, consistency requirements, performance characteristics, and operational complexity. Experience making tradeoff decisions across these concerns."}
- {"name":"Software Testing and Reliability","description":"Strong commitment to testing and code quality. Experience writing unit tests, integration tests, and reasoning about test coverage. Understanding of production readiness standards and methods for ensuring system reliability."}

### preferred

- {"name":"Financial Domain Knowledge","description":"Familiarity with accounting concepts, invoicing workflows, payment processing, cash application, or other financial systems. Understanding of how money flows through business processes and implications for system design."}
- {"name":"Payments and Billing Systems","description":"Previous experience building or maintaining payments infrastructure, billing systems, subscription management, payment processors integrations, or related financial technologies."}
- {"name":"ERP System Integration","description":"Direct experience integrating with enterprise resource planning systems like NetSuite, QuickBooks, SAP, or similar platforms. Understanding of complex business logic in enterprise software and challenges of keeping systems synchronized."}
- {"name":"Data Consistency and Reconciliation","description":"Experience building systems that maintain high-fidelity data synchronization across multiple systems, reconciliation logic, handling eventual consistency, and auditing capabilities for financial accuracy."}
- {"name":"Go or Rust","description":"Experience with systems programming languages like Go (for concurrency, performance) or Rust (for memory safety and performance). These are increasingly common choices for high-performance backend systems."}
- {"name":"Monitoring and Observability","description":"Experience implementing comprehensive monitoring, logging, and alerting for production systems. Familiarity with observability platforms and designing systems for debuggability in production environments."}
- {"name":"Cloud Infrastructure and DevOps","description":"Working knowledge of cloud platforms (AWS, GCP, Azure), containerization (Docker, Kubernetes), infrastructure as code, and deployment automation. Understanding of cloud-native architectural patterns."}

## Tech stack

### tools

- {"name":"Docker","description":"Containerization platform for packaging applications and ensuring consistency across development, testing, and production environments."}
- {"name":"Kubernetes","description":"Container orchestration platform for managing deployment, scaling, and operations of containerized applications at scale."}
- {"name":"Git","description":"Essential version control system for collaborative development, branching strategies, and code review workflows."}
- {"name":"CI/CD Platforms","description":"Continuous integration and deployment tools (GitHub Actions, GitLab CI, Jenkins) for automating testing, building, and deployment pipelines."}
- {"name":"Monitoring and Logging","description":"Observability platforms like Datadog, New Relic, ELK Stack for monitoring system health, debugging issues, and understanding production behavior."}

### others

- {"name":"Message Queues","description":"Systems like Kafka, RabbitMQ, or cloud-native queues (AWS SQS) for building asynchronous, event-driven architectures with reliable message delivery."}
- {"name":"REST APIs and GraphQL","description":"API design paradigms for building scalable, maintainable service interfaces with clear contracts and versioning strategies."}
- {"name":"Distributed Transactions","description":"Patterns and technologies for maintaining consistency across distributed systems including saga patterns, two-phase commits, and idempotency."}
- {"name":"Testing Frameworks","description":"Tools and practices for unit testing (pytest, JUnit), integration testing, and test automation to ensure code quality and system reliability."}

### databases

- {"name":"PostgreSQL","description":"Powerful, ACID-compliant relational database commonly used for mission-critical financial systems requiring strong consistency guarantees and complex querying."}
- {"name":"MySQL","description":"Reliable relational database widely used in web applications and transaction processing systems for durability and performance."}
- {"name":"Redis","description":"In-memory data store useful for caching, session management, real-time analytics, and queue management in backend systems."}

### languages

- {"name":"Python","description":"Common choice for backend systems at fintech companies. Strong ecosystem for data processing and financial logic."}
- {"name":"Java","description":"Enterprise-grade backend language often used in financial institutions for high-performance, reliable systems at scale."}
- {"name":"Go","description":"Modern systems language increasingly popular for building high-concurrency, performant backend services and microservices architectures."}
- {"name":"TypeScript/Node.js","description":"Full-stack capability for teams seeking unified language across backend and frontend with strong async/event-driven ecosystem."}

### frameworks

- {"name":"FastAPI or Django","description":"Popular Python frameworks for building RESTful APIs and backend services with strong ecosystem support and ORM integration."}
- {"name":"Spring Boot","description":"Industry-standard Java framework for building production-grade microservices with dependency injection, testing, and operational features."}
- {"name":"Express.js or NestJS","description":"Node.js frameworks for building scalable backend services; NestJS provides additional structure and TypeScript support for larger applications."}

## Benefits

### benefits

## Compensation

- **max:** 240000
- **min:** 185000
- **currency:** USD
- **stockOptions:** true

## Interview process

### steps

## Full description
# **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

Getting paid is still one of the most manual parts of running a business. Finance teams chase invoices over email, match payments to invoices by hand in spreadsheets, and close the books late because cash data is scattered across banks, payment processors, and ERPs.  
  
Ramp's Accounts Receivable team is building the system that automates all of it, from the moment an invoice is sent to the moment cash is reconciled in the general ledger. We own the full receivables lifecycle: invoicing, collections, payments, cash application, and accounting sync.  
  
We're looking for a senior backend engineer to own core pieces of that system. The work sits where hard engineering problems meet real money: matching messy payment data to the right invoices, keeping ledgers correct to the cent, and syncing reliably with the accounting systems our customers depend on. You'll own projects end to end, from design through production, and work closely with product and design to turn complex finance workflows into software that just works.

##   
What You’ll Do

* Build the payment-matching systems that automatically apply incoming ACH, wire, card, and check payments to the right invoices, even when payment details are incomplete or inconsistent
* Design accurate data models where every dollar is traceable from invoice to payment to general ledger
* Build two-way integrations with ERPs like NetSuite and QuickBooks that stay consistent through retries, partial failures, and edits on either side
* Build collections workflows that help businesses get paid faster without hurting their customer relationships
* Own projects from problem definition and technical design through launch, monitoring, and iteration
* Raise the engineering bar through design reviews, code reviews, and mentorship

## What You’ll Need

* Product sense: you care about the customer problem, not just the ticket, and you push back when the spec is wrong
* Experience designing and operating production backend systems, including APIs, data models, and asynchronous workflows
* Strong system design judgment and the ability to balance speed, correctness, reliability, and simplicity
* A track record of independently owning complex projects and shipping high-quality software
* Strong communication skills and a collaborative approach to technical decisions

## Nice to Haves

* Experience with invoicing, billing, payments, accounting, or other financial workflows
* Experience building integrations that keep data consistent across systems
* Experience improving reliability and operational visibility in a growing product

## **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)