Ramp is building the world's first finance automation platform designed to save businesses time and money. Ramp offers 5-in-1 software that consolidates corporate cards, expense management, bill payments, accounting, and reporting into one simple and free solution. More than 2,000 businesses are using Ramp for over $1 billion in annualized transaction volume. Customers include some of the fastest growing startups and unicorns like Ro, DoNotPay, Better, ClickUp, and Applied Intuition, as well as established businesses across the US such as Bristol Hospice, Walther Farms, Douglas Elliman, and Planned Parenthood.

Founded in 2019 Ramp is NYC's fastest growing startup, having achieved a unicorn valuation of $3.9 billion in just over 2 years. Ramp has raised $620 million in funding from investors including Founders Fund, Stripe, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. Ramp is part of the Forbes Fintech 50 and Fast Company's Best Workplaces for Innovators program.

About the Role

As a founding 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. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to influence and execute on risk strategies.

What You’ll Do

• Leverage external (e.g. banking data, commercial credit bureau data) and internal performance data to come up with insights to develop best in class credit policies (e.g. underwriting, credit limit increase programs) that will create value for Ramp and it’s customers
• Review applications on an individual basis to identify insights and combine with data driven approach to enhance policy
• Partner with product, engineering and design teams to execute credit policies and features
• Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting
• Implement risk metric monitoring by researching/ resolving risk events and developing levers that mitigate risk factors
• Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
• Partner with data scientists to build and leverage credit risk models in Ramp’s credit policy

What You Need

• Minimum 3 years of experience in credit risk management
• Experience within consumer/corporate cards, payments, lending, or related industries
• Excellent written and verbal communication skills
• Knowledge of SQL, Python, or R

Nice to Haves

• Experience in high growth startups
• Experience building complex financial products

Ramp Benefits (for U.S. based employees)

• 100% medical, dental & vision insurance coverage for you
• Partially covered for your dependents
• 401k (including employer match)
• Parental Leave
• Unlimited PTO
• WFH stipend to support your home office needs
• Monthly wellness stipend
• Annual education reimbursement
• Relocation support