Credit Risk Associate

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, Affirm, 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 member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies, including underwriting and customer management strategies. This role requires an understanding of credit concepts, fluency with data, and the ability to drive a broad set of projects fairly independently. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to partner and execute on risk strategies, and the ability to take ownership of credit risk outcomes and lead strategic initiatives.

What You'll Do

• Leverage internal and external data (e.g. banking data, commercial credit bureau data, financial accounting data, sales data, etc.) to create best in class credit policies (e.g. underwriting, credit limit increase programs, risk management) that will create value for Ramp and its customers
• Understand Ramp's exposure to risk across multiple products (charge card, reimbursements, bill pay, etc.) to create holistic underwriting and risk management strategies
• Investigate and evaluate efficiency of risk policies, procedures, and processes
• Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
• Partner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure
• Partner with data scientists to build and leverage credit risk models in Ramp's credit policy
• Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting

What You Need

• Minimum 2 years of experience in credit risk management or quantitative strategy role
• Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
• Experience within consumer/corporate/small business cards, payments, lending, or related industries
• Excellent written and verbal communication skills

Nice-to-Haves

• Experience in high-growth startups
• Experience building complex financial products

• For candidates located in NYC or SF, the pay range for this role is $120,300 - $165,450. For candidates located in all other locations, the pay range for this role is $108,300 - $148,950.

• 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

If you are being referred for the role, please contact that person to apply on your behalf.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Ramp Applicant Privacy Notice

Compensation Range: $108.3K - $165.5K