Senior Backend Engineer - P2P FinTech Systems

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 $100B in annualized spend flows in and out of 50,000+ 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 Over the past few years at Ramp, we've reimagined how businesses manage spend, and the backbone of that vision is Procure-to-Pay. The P2P team builds the systems that connect vendors, invoices, and payments into one seamless, automated flow. It's where billions of dollars move through our platform, and every line of code matters. We're looking for a backend engineer who loves complex systems, obsesses over correctness, and wants to shape how money moves in modern finance software. You'll help design and scale the infrastructure that powers our payment rails, ensures auditability across products, and unlocks the next wave of AI-driven automation. It's a chance to work on systems that actually move money, with a team that cares deeply about precision, reliability, and scale. The problems are tough, the stakes are high, and the impact is massive. What You’ll 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. Continuously improve developer tooling and internal APIs that make P2P data accessible across Ramp’s product ecosystem. What You Need 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. Benefits available to all full-time Ramp employees (Global) Flexible PTO Unlimited AI token usage 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 (80 days) at 100% pay Pet insurance In-office perks: lunch, snacks, drinks, and more Relocation support to NYC or SF (as 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 (80 days) 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 (80 days) 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 email addresses and will never ask for payment or sensitive personal information during the hiring process. Ramp Applicant Privacy Notice #J-18808-Ljbffr