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Job
Finance

Credit Risk Associate

Ramp · Risk

Pay
$108K – $200K • Offers Equity
Where
New York, NY (HQ)
Posted
Aug 12

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

The problems are high-stakes, data-dense, and unforgiving.

We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.

The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp.

What you'd do

  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
  • AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
  • Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
  • Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.
  • Previous experience building credit risk in similar Card or expense management products
  • Previous experience in high-growth startups or environments where the operating model changed quickly.
  • Previous experience with Operations teams
  • Analyst: $108,000 to $148,000
  • Associate: $140,000 to $192,000

What you get

  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend