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Aptiora
● Tech

Software Engineer, Backend, Credit

Ramp

New York, NY (HQ)

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

Location
New York, NY (HQ)
Compensation
189,000–330,000 USD / year
Source checked
November 11, 2026

▣ About the role

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

▤ Preferred, not required

  • 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.

☑ Eligibility and how to apply

  • About the Role The Credit Engineering team builds the systems that enable Ramp to manage credit lifecycles for businesses end-to-end, from initial underwriting through ongoing portfolio strategy optimization. As an engineer on Credit, 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…

✦ Conditions and benefits stated

  • 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 &
  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend

△ Not stated in the posting

  • Work model (remote, hybrid or on-site)
  • Specific requirements
  • Day-to-day responsibilities
  • Required languages
  • Application deadline

Ask about these before you invest time in an application.

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