Credit Risk Associate
About The Position
As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies. Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end. In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance. AI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off. We are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.
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
- 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.
Nice To Haves
- 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
Responsibilities
- Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
- Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
- Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
- Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
- Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
- Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
- Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
- Partner with Product, Engineering, Design, to execute and build the risk management infrastructure
Benefits
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- 401(k), including employer match on contributions made while employed by Ramp
- Fertility HRA (up to $10,000 per year)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
- Pet insurance
- In-office perks: lunch, snacks, drinks, and more
- Relocation support to NYC or SF (as needed)
- Group medical, dental, and vision coverage through Sun Life
- Life, AD&D, and disability coverage
- Fertility drug coverage (up to $4,000 lifetime)
- Group Retirement Plan with employer match (RRSP + DPSP)
- Employee Assistance Program and virtual care through Lumino Health
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold, with salary sacrifice option
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
