Credit Risk Associate

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

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 $10,000 per year)

• Parental Leave

• Unlimited AI token usage

• Pet insurance

• Centralized home-office equipment ordering for all employees

• Health and Wellness stipend

• In-office perks: lunch, snacks, drinks, and more

• Budget for intra-office travel

• Relocation support to NYC or SF (as needed)

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.

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.

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