About this role
About RampRamp 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
CompensationFor 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.
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 $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)
Referral InstructionsIf you are being referred for the role, please contact that person to apply on your behalf.
Other noticesPursuant 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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