Backend Engineer (Fintech)

TL;DR

Backend Engineer (Fintech): Designing and building core Procure-to-Pay systems for a financial operations platform with an accent on payment orchestration, invoice processing, and data integrity. Focus on developing scalable, reliable systems that handle large volumes of financial transactions.

Location: New York, NY or San Francisco, CA

Compensation Range: $180K - $259K

Company

Ramp is a financial operations platform designed to save companies time and money.

What you will do

• Design and build core P2P systems, from invoice ingestion and approval workflows to payment orchestration and reconciliation logic.
• Enable AI agents to classify, validate, and process invoices automatically, reducing manual review and accelerating financial close.
• Own backend services that process large volumes of financial events across Bill Pay, Procurement, and Treasury.
• Collaborate cross-functionally with Product, Finance, and Data to translate accounting and compliance policies into robust, testable code.
• Extend Ramp’s financial ledger to handle new transaction types, international payments, and automated audit trails.
• Drive technical excellence around reliability, observability, and data integrity in systems where correctness directly impacts financial reporting.

Requirements

• 3+ years of backend engineering experience, ideally in fintech, payments, or transactional systems.
• Proven experience designing and maintaining data-intensive distributed systems with strong consistency and auditability requirements.
• Deep knowledge of Python (or a comparable backend language) and SQL.
• Comfort building event-driven systems and scaling high-volume, low-latency architectures.
• Strong system design and debugging skills; you care about correctness as much as speed.
• Ability to work closely with finance, risk, and product stakeholders to translate business rules into software logic.
• Passion for building systems that are precise, reliable, and extensible as Ramp scales globally.

Nice to have

• Experience with accounts payable, payments, or reconciliation systems.
• Familiarity with accounting or ERP integrations (e.g. NetSuite, QuickBooks, Oracle).
• Background in compliance-heavy or regulated domains.
• Exposure to AI-driven automation or interest in working with AI/ML teams to build intelligent finance workflows.
• Desire to move quickly while maintaining an uncompromising standard for data accuracy and auditability.

Culture & Benefits

• 100% medical, dental & vision insurance coverage for you.
• 401k (including employer match on contributions made while employed by Ramp).
• Flexible PTO.
• Fertility HRA (up to $5,000 per year).
• WFH stipend to support your home office needs.
• Wellness stipend.
• Parental Leave.
• Relocation support to NYC or SF (as needed).
• Pet insurance.