Ramp

Software Engineer, Risk

Ramp1 months ago
Location

New York, NY (HQ)

Type

Full Time

Salary

USD 168,000 – 275,100

Level

Mid

Role

Backend Engineer

Posted

Jan 20, 2026

Full TimeMid

The role

Summary

Ramp is seeking a Software Engineer for their Risk Engineering team to build systems that handle $100+ billion in annual payment volume. The role focuses on backend development for limit management, portfolio optimization, and agentic workflows in the fintech space, requiring 2+ years of experience with Python and distributed systems.

What you'll do

System Architecture: Design and architect scalable, stateful systems for automated limit management to optimize Ramp's $100+ billion charge card portfolio
AI Agent Development: Envision and build next-generation agents and tools that automate manual Risk decisions and increase operational efficiency
Risk Controls Engineering: Develop high-volume, low-latency Risk controls to support Ramp's expansion into new products, customer segments, and geographies
Real-time Decision Systems: Design and build real-time decisioning systems spanning the entirety of a business' tenure on Ramp platform
Cross-functional Collaboration: Partner closely with analysts, data scientists, and product teams to translate risk strategies into reliable, production-ready software
Technical Leadership: Own the technical roadmap for limit management, portfolio optimization, and agentic workflows across the Risk Engineering team
System Reliability: Maintain high-frequency controls and ensure system correctness for mission-critical financial operations
Automation Development: Build robust systems that automate complex operational tasks and reduce manual intervention in risk processes

What we look for

Technical

Backend EngineeringMinimum 2+ years of backend engineering experience with production systems
Python ProficiencyStrong proficiency in Python or comparable backend programming languages
Distributed SystemsHands-on experience working with distributed systems and asynchronous frameworks
Data ModelingExpertise in converting abstract business problems into robust data models and technical specifications
System ReliabilityExperience building or operating systems with strict auditability, observability, and correctness guarantees
Financial SystemsUnderstanding of high-stakes financial systems requiring accuracy and compliance

Education

Computer Science DegreeBachelor's degree in Computer Science, Software Engineering, or equivalent practical experience
Technical FundamentalsStrong foundation in algorithms, data structures, and system design principles

Experience

Production Systems2+ years building and maintaining production backend systems at scale
Cross-functional CollaborationProven ability to work closely with non-engineering partners including Risk Strategy, Operations, and Sales teams
High-volume SystemsExperience with high-volume, low-latency systems handling significant transaction volumes
System OwnershipDemonstrated high ownership mentality with deep care for system quality and reliability

Skills

Required skills

Python ProgrammingExpert-level Python development for backend systems and APIs
Distributed Systems DesignArchitecture and implementation of scalable distributed systems
Async ProgrammingAsynchronous programming patterns for high-performance applications
Data ModelingConverting business requirements into robust technical data models
System ObservabilityBuilding systems with comprehensive monitoring, logging, and alerting
Financial Systems KnowledgeUnderstanding of financial operations, compliance, and audit requirements

Nice to have

AI/LLM IntegrationExperience leveraging AI and Large Language Models for development or internal workflows
Financial OptimizationInterest and experience in financial optimization problems and algorithms
Defensive ProgrammingWriting resilient code with comprehensive error handling and validation
ML Platform ExperienceHands-on experience with feature stores, rule engines, and ML platforms in production
Rapid LearningAbility to learn quickly and move fast while maintaining high standards for correctness

Compensation & benefits

Salary

USD 168,000 – 275,100 (annual)

Stock options

Available

Benefits

Health Insurance

100% medical, dental & vision insurance coverage for employees, partially covered for dependents

One Medical

Annual One Medical membership for convenient healthcare access

401k with Match

Retirement savings plan with employer matching contributions

Flexible PTO

Unlimited paid time off policy for work-life balance

Fertility Benefits

Fertility Health Reimbursement Account up to $10,000 per year

Parental Leave

Comprehensive parental leave policy for new parents

AI Token Access

Unlimited AI token usage for productivity and development

Pet Insurance

Coverage for pet healthcare expenses

Home Office Equipment

Centralized ordering system for home office setup and equipment

Health & Wellness Stipend

Financial support for health and wellness activities

Office Perks

In-office lunch, snacks, drinks, and other workplace amenities

Travel Budget

Budget allocated for intra-office travel and team collaboration

Relocation Support

Assistance with relocation to NYC or San Francisco as needed

Interview process

  1. 1
    Application Review — Initial screening of resume, portfolio, and technical background by engineering team
  2. 2
    Recruiter Phone Screen — 30-minute conversation with recruiting team to discuss role, compensation, and mutual fit
  3. 3
    Technical Phone Screen — 45-60 minute technical interview focusing on backend engineering concepts, Python proficiency, and system design
  4. 4
    Technical Deep Dive — 90-minute technical session covering distributed systems, data modeling, and risk management scenarios
  5. 5
    Cross-functional Interview — 60-minute interview with Risk Strategy or Operations team to assess collaboration skills and business understanding
  6. 6
    Engineering Manager Interview — 45-minute discussion about technical leadership, ownership mentality, and team collaboration
  7. 7
    Final Round — Final interview with senior engineering leadership focusing on cultural fit and long-term vision alignment
  8. 8
    Reference Checks — Professional reference verification and background check completion
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Ramp

Ramp

View all jobs

Make expense management easy with Ramp's spend management platform. Combine global corporate cards, travel, expenses and accounts payable to automate finance operations and improve efficiency.

New York City, New York, United StatesFounded 2019ramp.com

Tech Stack

Languages
PythonSQL
Frameworks
Async FrameworksFastAPIFlask
Databases
PostgreSQLRedisFeature Stores
Tools
KubernetesDockerApache KafkaDatadogGitHubJenkins
Other
Machine Learning PlatformsRule EnginesAI/LLM IntegrationMicroservices Architecture
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