Credit Risk Associate

OverviewCredit Risk Associate at Ramp.Base pay range$108,300.00/yr - $165,500.00/yrAbout RampRamp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. Ramp helps teams reclaim time and reinvest in what matters.The RoleAs 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. You will work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to partner and execute on risk strategies, and you will take ownership of credit risk outcomes and lead strategic initiatives.What You’ll DoLeverage 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 customersUnderstand Ramp’s exposure to risk across multiple products (charge card, reimbursements, bill pay, etc.) to create holistic underwriting and risk management strategiesInvestigate and evaluate efficiency of risk policies, procedures, and processesAnalyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policyPartner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructurePartner with data scientists to build and leverage credit risk models in Ramp’s credit policyPartner with finance teams to create and maintain risk adjusted returns framework, including loss forecastingWhat You NeedMinimum 2 years of experience in credit risk management or quantitative strategy roleMinimum 2 years of experience using SQL or Python for data retrieval and manipulationsExperience within consumer/corporate/small business cards, payments, lending, or related industriesExcellent written and verbal communication skillsNice-to-HavesExperience in high-growth startupsExperience building complex financial productsCompensationFor 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 youPartially covered for your dependentsOne Medical annual membership401k (including employer match on contributions made while employed by Ramp)Flexible PTOFertility HRA (up to $5,000 per year)WFH stipend to support your home office needsWellness stipendParental LeaveRelocation support to NYC or SF (as needed)Pet insuranceOther noticesPursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.Ramp Applicant Privacy NoticeSeniority level: Entry level • Employment type: Full-time • Job function: Finance and Sales #J-18808-Ljbffr

Created: 2025-09-17