Risk Operations Lead | Underwriting

About Ramp At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. More than 45,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year. Ramp’s investors include Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, and Redpoint, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affim, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for more than 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies. About the Role As a lead on Ramp's Risk Strategy & Operations, you will drive strategic and operational initiatives across underwriting, customer risk management, and fraud. This role requires a deep understanding of underwriting processes, strong analytical skills, and the ability to influence systems and policies at scale. You will own cross‑functional relationships, drive org‑wide implementations, and mentor teammates to grow Ramp’s capabilities in managing credit and fraud risk. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data‑driven and systematic decisions to delight our customers. Weekend work is required for this role, with the flexibility to choose either Saturday or Sunday each week to support underwriting operations. What You’ll Do Develop and execute Ramp’s risk underwriting policy used to onboard new business to the Ramp platform across corporate credit card and bill pay products Build and maintain monitoring dashboards for underwriting outcomes, processes and losses Partner with product and engineering to build best‑in‑class risk tooling to increase operations efficiency Research emerging underwriting and fraud trends to innovate on Ramp's decisioning systems and policies Provide best‑in‑class customer experience, while managing credit and fraud risk, by effectively managing customer support requests on their application over phone and email Have the ability to grow, develop and learn in a fast‑paced, start‑up environment Own and lead cross‑functional relationships with Product, Engineering, and Design to define and drive risk tooling and strategy Define and implement policy and tooling changes across multiple risk functions Formally mentor and develop team members, supporting capability growth and values alignment within Risk Ops What You Need Minimum 7+ years of experience in Underwriting, Credit Risk Management or Fraud Risk Management Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries Excellent written and verbal communication skills Strong background in customer support via email Investigative and critical thinking skills BA/BS from an accredited university Nice‑to‑Haves Experience in high growth startups Experience building complex financial products Knowledge of SQL or Python Strong background in customer support via phone Compensation For candidates located in NY or SF, the pay range for this role is $151,500 - $208,350. For candidates located in all other locations, the pay range for this role is $136,400 - $187,550. Benefits (for U.S.-based full‑time employees) 100% medical, dental & vision insurance coverage for you Partially covered for your dependents One Medical annual membership 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 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. Ramp Applicant Privacy Notice #J-18808-Ljbffr