Credit Risk Associate
Ramp is an AI-powered financial operations platform for businesses, combining corporate cards, expense management, bill payments, accounting automation, procurement, travel, treasury, and related finance workflows.
About Ramp
Ramp is a privately held New York financial-services company founded in 2019. Its platform combines corporate cards, spend and expense management, bill payments, accounting automation, procurement, travel, treasury, and other financial-operations services. Ramp reports serving more than 70,000 companies.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Develop and optimize credit strategies using SQL, quantitative reasoning, credit risk judgment, and AI tools to investigate data, build workflows, evaluate risk signals, make policy decisions, and collaborate with cross-functional partners to implement risk infrastructure.
Requirements
- 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.
- Demonstrable AI fluency, including naming tools, showing artifacts, explaining failure modes, and verifying outputs.
- Ability to define questions, obtain data, make decisions, communicate tradeoffs, and drive follow-through in ambiguous situations.
- Strong communication skills for explaining complex credit risk decisions.
- Experience building credit risk in card or expense management products is a plus.
- Experience in high-growth startups is a plus.
- Previous experience with operations teams is a plus.
Responsibilities
- Own credit risk strategy for model prototyping, credit limits, payment speed, and collections.
- Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
- Build tools, apps, dashboards, agents, notebooks, QA loops, monitors, and decisioning processes.
- Use AI tools for research, analysis, coding, synthesis, writing, verification, and follow-through.
- Build AI into credit risk workflows for feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
- Investigate data sources and model features and evaluate signal quality, coverage, and failure modes.
- Make credit risk decisions balancing losses, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
- Partner with Product, Engineering, Design, Data Science, Risk Operations, Finance, Customer Experience, and Compliance to build risk infrastructure.
Benefits
- Equity
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 100% medical, dental and vision insurance coverage for employees, with partial dependent coverage
- One Medical annual membership
- 401(k) with employer match
- Fertility HRA up to $10,000 per year
- Parental leave up to 16 weeks at 100% pay
- Pet insurance
- In-office lunch, snacks and drinks
- Relocation support to NYC or SF
