Credit Risk Associate Job at Ramp (New York, NY)

Credit Risk Associate

Ramp

Location:
United States , New York, NY ▼
San Francisco, CA

Category:
Finance

Contract Type:
Not provided

Salary:

108300.00 - 165450.00 USD / Year

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Job Description:

As 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. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to partner and execute on risk strategies, and the ability to take ownership of credit risk outcomes and lead strategic initiatives.

Job Responsibility:

Leverage internal and external data to create best in class credit policies
Understand Ramp’s exposure to risk across multiple products to create holistic underwriting and risk management strategies
Investigate and evaluate efficiency of risk policies, procedures, and processes
Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
Partner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure
Partner with data scientists to build and leverage credit risk models in Ramp’s credit policy
Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting

Requirements:

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
Experience within consumer/corporate/small business cards, payments, lending, or related industries
Excellent written and verbal communication skills

Nice to have:

Experience in high-growth startups
Experience building complex financial products

What we offer:

100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees
Health and Wellness stipend
In-office perks: lunch, snacks, drinks, and more
Budget for intra-office travel
Relocation support to NYC or SF (as needed)
Offers Equity

Additional Information:

Job Posted:
February 21, 2026

Employment Type:

Fulltime

Work Type:

Hybrid work

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