Ramp is hiring a Credit Risk Associate to join its Risk Strategy & Operations team. In this role, you will leverage data to develop and optimize credit strategies, including underwriting and customer management. We are rebuilding modern finance teams for the age of AI, and we're seeking individuals who can drive projects independently to help shape that future.
What You'll Do
- Leverage internal and external data to create best-in-class credit policies for underwriting, credit limit increases, and risk management.
- Understand Ramp’s exposure to risk across multiple products to create holistic underwriting and risk management strategies.
- Investigate and evaluate the efficiency of risk policies, procedures, and processes.
- Analyze market and industry trends, identify potential macroeconomic risk factors, and incorporate findings into credit policy.
- Partner with product, engineering, and design teams to execute credit policies, improve operational tooling, and shape 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 a risk-adjusted returns framework, including loss forecasting.
What We're Looking For
- Minimum 2 years of experience in credit risk management or a quantitative strategy role.
- Minimum 2 years of experience using SQL or Python for data retrieval and manipulation.
- Experience within consumer, corporate, or small business cards, payments, lending, or related industries.
- Excellent written and verbal communication skills.
Nice to Have
- Experience in high-growth startups.
- Experience building complex financial products.
Technical Stack
- SQL
- Python
Team & Environment
You'll be a member of the Risk Strategy & Operations team.
Benefits & Compensation
- 100% medical, dental & vision insurance coverage for you, partially covered for your dependents.
- One Medical annual membership.
- 401k with employer match.
- Flexible PTO.
- Fertility HRA (up to $5,000 per year).
- WFH stipend.
- Wellness stipend.
- Parental Leave.
- Relocation support to NYC or SF.
- Pet insurance.
- 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 is $108,300 - $148,950.
Ramp is an equal opportunity employer.
