Responsibilities
- Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp
- Own the full applied science development lifecycle, from data exploration and feature development to model prototyping, deployment, monitoring, and iteration
- Investigate and evaluate new data sources, including structured and unstructured data, and integrate them into credit models where appropriate
- Develop backtesting, validation, and monitoring frameworks to evaluate model performance and business impact
- Apply methods from machine learning, statistics, causal inference, optimization, and economics to solve core business problems
- Generate and communicate data-driven insights that influence product, risk, and company strategy
- Partner with product, business, engineering, and data stakeholders to translate ambiguous problems into clear objectives, scoped opportunities, and a practical applied science roadmap
- Contribute to best practices for model development, experimentation, documentation, testing, and production reliability
Requirements
- Bachelor’s degree or above in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields
- 5+ years of industry experience as an Applied Scientist, Machine Learning Engineer, Research Scientist, or equivalent; or 3+ years of industry experience with a PhD
- Strong familiarity with the mathematical fundamentals of advanced statistics, machine learning, optimization, and/or economics
- Experience working with large datasets using Python and SQL
- Strong Python experience across exploratory data analysis, predictive modeling, and applied machine learning, using tools such as NumPy, pandas, scikit-learn, PyTorch, or similar libraries
- Strong communication: the ability to bridge technical methodology to meaningful data narratives to drive company decisions and strategy
- Track record of shipping high-quality machine learning products in production and at scale
- Ability to thrive in a fast-paced, constantly improving, start-up environment that focuses on solving problems with iterative technical solutions
Nice to Have
- PhD in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields
- Strong perspective on data science engineering development cycle (data modeling, version control, documentation + testing, best practices for codebase development)
- Familiarity with data orchestration platforms (Airflow, Dagster, Prefect)
- Experience at a high-growth startup
- Experience leveraging AI/LLMs for development or for internal workflows
Benefits
- Flexible PTO
- Unlimited AI token usage
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents (United States)
- One Medical annual membership (United States)
- 401(k), including employer match on contributions made while employed by Ramp (United States)
- Fertility HRA (up to $10,000 per year) (United States)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay (United States)
- Pet insurance (United States)
- In-office perks: lunch, snacks, drinks, and more (United States)
- Relocation support to NYC or SF (as needed) (United States)
- Group medical, dental, and vision coverage through Sun Life (Canada)
- Life, AD&D, and disability coverage (Canada)
- Fertility drug coverage (up to $4,000 lifetime) (Canada)
- Group Retirement Plan with employer match (RRSP + DPSP) (Canada)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay (Canada)
- Employee Assistance Program and virtual care through Lumino Health (Canada)
- Private medical insurance through Freedom Elite (United Kingdom)
- Virtual GP and at-home care via eMed x Livi (United Kingdom)
- Workplace pension through Penfold, with salary sacrifice option (United Kingdom)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay (United Kingdom)
- Referral Instructions: If you are being referred for the role, please contact that person to apply on your behalf
Work Arrangement
Hybrid — NYC, SF
Additional Information
- 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.
