About Ramp

Ramp is the ultimate platform for modern finance teams. Combining corporate cards with expense management, bill payments, vendor management, accounting automation and more, Ramp's all-in-one solution is designed to save businesses time and money, and free finance teams to do the best work of their lives. Our mission is to help build healthier businesses, and it’s working: over 15,000 businesses on Ramp to save an average 5% and close their books 8x faster. 

Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables tens of billions of dollars in purchases each year. 

Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. In 2023, Ramp was named Fast Company’s #1 Most Innovative Company in North America, LinkedIn’s #1 Top Startup in the U.S., a CNBC Disruptor, and a TIME100 Most Influential Company.

About the Role

As an early member of Ramp's Risk Strategy & Operations, you will drive operational initiatives related to underwriting, customer risk management, and fraud. This role requires an understanding of underwriting processes, fluency with data, and the ability to analyze risk vectors such as credit and fraud risks. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.

What You’ll Do

• Develop and execute Ramp’s risk underwriting policy used to onboard new business to the Ramp platform across corporate credit card and bill pay products

• Provide best-in-class customer experience while managing credit and fraud risk by effectively managing customer support requests over phone and email

• Work directly with internal and external stakeholders on documentation of processes, escalations, and risk updates across the organization

• Build and maintain monitoring dashboards for underwriting outcomes, processes, and losses

• Partner with product and engineering to build best-in-class risk tooling to increase operations efficiency

• Research emerging underwriting and fraud trends to innovate on Ramp's decision systems and policies

What You Need

• 4-10 years of experience in Credit Risk Management, Fraud Risk Management, or Underwriting, focusing on enterprise clientele

• Proficiency in analyzing financial statements and conducting underwriting for enterprise customers

• Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries

• Experience providing exceptional customer service and communication to enterprise clients, demonstrating a sense of urgency and effective prioritization

Nice-to-Haves

• BA/BS from an accredited university

• Experience in high growth startups

• Experience building complex financial products

• Knowledge of SQL, Python, or R
  

Benefits (for U.S.-based full-time employees)

• 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 $5,000 per year)

• WFH stipend to support your home office needs

• Wellness stipend

• Parental Leave

• Relocation support

• Pet insurance