Ramp is hiring an early member of our Collections Operations team as a Risk Operations Specialist. You will execute and maintain operational initiatives to collect from delinquent and high-risk customers, playing a key role in managing financial risk. This position requires excellent communication, negotiation, and decision-making skills.
What You'll Do
- Ensure timely collections from delinquent and high-risk small business and commercial accounts through outbound and inbound communication across email and phone channels.
- Balance customer’s ability to pay, reconcile customer payments, and Ramp’s risk appetite to negotiate payment plans that reduce credit losses and ensure customer financial well-being.
- Partner with strategy and legal teams to develop collection strategies, payment plans, and operating procedures for efficient collections operations.
- Partner with product and engineering teams to build and scale Ramp’s operational platform and tooling for the collections program.
- Ensure operational excellence by meeting team KPIs and SLAs.
What We're Looking For
- Minimum 3 years of experience in collections, recoveries, or credit risk management operations via phone.
- Strong background in customer support via phone and email.
- Experience with financial products like credit cards, loans, or mortgages.
- Excellent written and verbal communication skills.
- Investigative and critical thinking skills.
- BA/BS from an accredited university.
- Proven analytical and problem-solving skills with a strong attention to detail.
- Strong negotiation skills.
- Ability to grow, develop, and learn in a fast-paced, startup environment.
Nice to Have
- Experience in high-growth startups.
- Experience building complex financial products.
- Experience in SMB or Commercial collections.
Benefits & Compensation
- 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.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
