Ramp is hiring a

Risk Analyst

New York, United States

Traditional corporate cards were designed to make you spend more with complex rewards programs that encourage wasteful spending. In contrast, Ramp’s mission is to increase the lifespan of businesses with intelligence & automation designed for high-performing finance teams. We make financial rigor easy by enabling real-time visibility and understanding of every dollar spent. Over 1,000 customers are now using Ramp for over $1 billion in annualized transaction volume. 

Ramp was founded in 2019 by the same team who built, scaled, and sold Paribus to Capital One. We are the fastest growing NYC startup, having achieved a unicorn valuation of $1.6 billion in less than 2 years. Ramp has raised $320 million in funding from investors including Stripe, Goldman Sachs, Founders Fund, Coatue Management, D1 Capital Partners and Thrive Capital, as well as over 50 angel investors who were founders or executives of leading companies.

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

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

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