Software Engineer, Core Product

Location: New York, NY (HQ) Workplace: Hybrid 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 The team owns the core experience that helps finance teams control, automate, and optimize company spend. We build the engine that powers Ramp’s card and expense workflows—from card issuance and spend limits to approvals, policy enforcement, and real-time insights. Our systems handle billions of dollars in transactions and integrate deeply with Ramp’s AI platform, financial infrastructure, and partner ecosystems (banks, ERPs, HRIS). As a backend engineer on this team, you’ll work across product surfaces that are central to Ramp’s success: cards, approvals, spend controls, and automation intelligence. WHAT YOU’LL DO - Design, build, and scale backend systems that power spend controls, approval workflows, and card transactions at massive scale - Collaborate cross-functionally with product, design, and data to deliver intelligent, user-first experiences for finance teams - Integrate with Ramp’s internal AI platform to automate spend policy enforcement and anomaly detection - Own complex projects end-to-end — from architecture to deployment and observability - Partner with the Product Platform and Integrations teams to ensure reliability, scalability, and data consistency across financial systems - Continuously improve Ramp’s transaction and policy infrastructure for performance, accuracy, and resilience WHAT WE’RE LOOKING FOR - 2+ years of software engineering experience (backend or fullstack with a backend focus) - Strong fundamentals in backend systems and API design — experience with Python, Go, or TypeScript is ideal - Familiarity with PostgreSQL, AWS, and modern observability tooling - Product sense: ability to balance technical quality with speed and user value - Collaborative, thoughtful communicator who thrives in high-ownership environments NICE TO HAVE - Fintech or payments experience (cards, reconciliation, transaction processing) - Exposure to AI- or rule-based automation systems - Experience integrating with ERP or accounting systems - Familiarity with security, risk, or compliance-driven domains - Experience building reliable distributed systems that process large volumes of financial or transactional data 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