Senior Backend Engineer (Fintech)

Location: Hybrid; New York, NY (HQ), Remote (Canada), or Remote (US). Relocation expense coverage to NYC or SF may be available if needed.

Target base salary: $204K–$280K, plus equity; final compensation depends on location and hiring level.

Company

Ramp builds smart financial infrastructure that automates payment authorization, risk flagging, spend categorization, and accounting workflows for businesses.

What you will do

• Build payment-matching systems that apply ACH, wire, card, and check payments to the correct invoices despite incomplete or inconsistent payment details.
• Design data models that make every dollar traceable from invoice through payment to the general ledger.
• Build two-way integrations with ERPs such as NetSuite and QuickBooks, maintaining consistency through retries, partial failures, and edits on either side.
• Build collections workflows that help businesses get paid faster while protecting customer relationships.
• Own projects from problem definition and technical design through launch, monitoring, and iteration.
• Raise engineering standards through design reviews, code reviews, and mentorship.

Requirements

• Product sense focused on customer problems and willingness to challenge incorrect specifications.
• Experience designing and operating production backend systems, including APIs, data models, and asynchronous workflows.
• Strong system design judgment, balancing speed, correctness, reliability, and simplicity.
• Track record of independently owning complex projects and shipping high-quality software.
• Strong communication skills and a collaborative approach to technical decisions.
• 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.

Culture & Benefits

• Flexible PTO and centralized home-office equipment ordering.
• Health and wellness stipend, weekly coffee stipend, and budget for intra-office travel.
• Medical, dental, and vision coverage options, including 100% employee coverage in the US plan and regional plans for Canada and the UK.
• Retirement plans with employer matching where applicable.
• Parental leave of up to 16 weeks for birthing and bonding or 8 weeks for bonding only, with regional variations.
• Additional benefits include fertility coverage, pet insurance, life and disability coverage, virtual care, in-office meals and refreshments, and relocation expense coverage to NYC or SF if needed.