Software Engineer - Credit
About the job
- At least 2 years of backend engineering experience.
- Proficiency in Python or a comparable backend language.
- Experience working with distributed systems and asynchronous frameworks.
- Proficiency in converting abstract business problems into robust data models and technical specifications.
- Experience building or operating systems with strict auditability, observability, and correctness guarantees.
- Ability to work closely with non-engineering partners, including Risk Strategy, Operations, and Sales, to create impact.
- Architect scalable, stateful systems for automated limit management to optimize the 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 expansion into new products, customer segments, and geographies.
- Design and build real-time decisioning systems spanning the entirety of a business's credit lifecycle.
- Partner closely with analysts, data scientists, and product teams to translate risk strategies into reliable software.
- Experience leveraging artificial intelligence or large language models for development or internal workflows.
- Interest in financial optimization problems.
- Willingness to learn and move fast while maintaining a high standard of correctness.
- Defensive programming aptitude.
- Experience using feature stores, rule engines, and machine learning platforms in production.
About the company
Ramp provides a corporate card and spend management platform for businesses. It helps finance teams track expenses, manage multiple corporate cards, and pay bills all in one place, with integrations like Slack for easier workflows. The product works by linking card transactions and expense reports to the platform, letting users classify spending, approve items, and optimize cash flow, while earning interchange fees and offering subscription tiers for advanced features. Ramp differentiates itself from competitors like Amex and Brex with a focus on driving cost savings for customers and using modern tools such as stablecoins to streamline payments. The company's goal is to help businesses reduce overall expenses and simplify finance operations through a comprehensive, integrated suite of financial tools.
Company Size
1,001-5,000
Company Stage
Series G
Total Funding
$4.6B
Headquarters
New York City, New York
Founded
2019
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Simplify's Take
What believers are saying
- June 2026 funding at $44 billion validates investor demand and war chest.
- Ramp says 70,000 organizations and $200 billion purchases annually prove strong adoption.
- Canadian launch, stablecoin accounts, and AR broaden revenue lines in 2026.
What critics are saying
- Brex, BILL, Concur, Mercury, and banks commoditize spend management by 2027.
- AWS Marketplace also exposes Ramp to procurement pressure and lower pricing leverage.
- Visa and Mastercard fee cuts would crush interchange economics and threaten Ramp's core margins.
What makes Ramp unique
- Ramp unified spend, AP, banking, stablecoins, and AR into one workflow by September 2026.
- AWS Marketplace access and ServiceTitan embedding widen distribution beyond finance teams.
- Ramp's AI agents automate coding, policy, invoicing, and closes with audit trails.
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Benefits
Competitive salaries: You never have to wonder how your pay compares. Our generous comp reflects our belief that you’ll take Ramp to the next level.
Comprehensive health plans: US-based employees get full medical, dental, and vision insurance coverage. Everyone gets a monthly stipend for personal wellness.
Professional development: Take advantage of our annual education stipends to stay on top of your personal growth.
Unlimited PTO: Flexible vacation days give you the time to step away, unwind, and recharge.
Growth & Insights and Company News
6 month growth
↓ -11%1 year growth
↓ -11%2 year growth
↓ -11%ServiceTitan has partnered with Ramp to integrate AI-powered financial tools into its contractor software platform. The collaboration brings Ramp's Bill Pay and Expense Management features directly into ServiceTitan, allowing contractors to automate business spending and reduce manual back-office work. The integration includes Bill Pay, which streamlines payment workflows within ServiceTitan's existing accounts payable system, and Expense Cards, which sync transactions automatically to specific jobs or projects. This marks Ramp's first embedded partnership within a vertical software platform. Ramp serves more than 70,000 organisations and processes over $200 billion in purchases annually. The company reports that its median customer achieves 5% savings on expenses and 16% revenue growth in their first year. The partnership aims to eliminate manual data entry and provide contractors with real-time visibility into operational costs across their businesses.
Ramp has launched Ramp Accounts Receivable, a product designed to help businesses get paid faster by automating the invoice-to-cash workflow. The company, which previously focused on managing expenses, now handles both sides of financial operations. The product automates invoice creation from contracts and purchase orders, drafts follow-up messages for overdue payments, matches incoming payments to invoices, and manages revenue recognition schedules. It integrates with QuickBooks Online and NetSuite, with additional ERP integrations planned. Ramp powers over $200 billion in purchases annually for more than 70,000 organisations. The product is currently available to US-based, single-entity businesses. Customers report the system accurately tracks payment status without requiring manual reconciliation.
Ramp is in early talks with investors for a new round of funding at a roughly $60 billion valuation, according to people familiar with the efforts, just three months after the financial technology startup was valued at $44 billion. The company is considering raising about $1 billion in primary funding, said one of the people, who spoke on condition of anonymity as the information is not public. The talks are ongoing and details could change, the people said.
Ramp has announced a strategic collaboration with Amazon Web Services, making its AI-powered finance platform available through AWS Marketplace. AWS customers can now procure Ramp's services using their existing AWS commitments. The platform includes corporate cards, expense management, bill payments, procurement, travel, banking, automated bookkeeping, and AI-powered controls. Ramp's AI agents automate tasks such as coding expenses, enforcing policy, and processing invoices whilst maintaining auditability. Key features include Ramp Stack, an AI platform for accounting firms that enables faster closes with complete audit trails, and Ramp AI Token Spend Management, which provides real-time visibility over LLM and AI API costs. Ramp serves more than 70,000 organisations and powers over $200 billion in purchases annually.
Ramp has launched Router.com, a platform that routes AI requests to the most cost-effective model whilst maintaining performance standards. The service connects to major AI providers including OpenAI, Anthropic, and SpaceXAI, with additional models from Nvidia, Kimi, DeepSeek, and others. Early customers have reduced inference costs by 40% on average. Router uses Ramp SWE-Bench, a benchmark built from production tasks, to continuously test models and automatically incorporate optimal routing strategies. AI spend at companies has grown 20.7 times since June 2025, according to the Ramp AI Index. Ramp originally developed Router internally three years ago, cutting its own inference costs by approximately 30%. The service is available now at router.com, free through 2026, with users paying list price for model tokens consumed.