Credit Risk Analyst – Ramp

180% 1-Year Employee Growth Rate | 813% 2-Year Employee Growth Rate | LinkedIn | $1.4B Venture Funding

What Is Employee Growth Rate & Why Is It Important?

Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. Over 6000 businesses are spending an average of 3.3% less and closing their books 8 times faster, thanks to Ramp’s finance automation platform that enables billions of dollars of purchases each year.

Founded in 2019, Ramp has seen nearly 10x year-over-year growth which has led to a valuation of $8.1 billion in just over 3 years. Its investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The team is made up of talented leaders from some of the leading financial services and fintech companies—Capital One, Stripe, Affirm, Goldman Sachs, American Express, Visa—as well as high-growth technology companies like Facebook, Spotify, Zendesk, Uber, Dropbox, and Instacart. Recently named Fast Company’s most innovative finance company, Ramp is NYC’s fastest-growing startup and America’s fastest-growing corporate card.

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 partner and execute on risk strategies.

What You’ll Do

• Leverage external (e.g. banking data, commercial credit bureau data, financial accounting data, sales data, etc.) and internal performance data to come up with insights to develop best in class credit policies (e.g. underwriting, credit limit increase programs, risk management) that will create value for Ramp and its customers
• Understand Ramp’s exposure to risk across multiple products (charge card, reimbursements, bill pay) to create holistic underwriting and risk management strategies
• 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 product, engineering and design teams to execute credit policies and features, 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

What You Need

• Minimum 2 years of experience in credit risk management or quantitative strategy role
• Minimum 2 years of experience using SQL, Python, or R 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 Haves

• Experience in high growth startups
• Experience building complex financial products

Ramp Benefits (for U.S. based employees)

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

Tagged as: >100% 2 Yr Employee Growth, 201-500 Employees, Hide US-Only Jobs, Venture Funded