Ramp · 1 day ago
Credit Risk Associate
San Francisco, CA
Full-time
Hybrid
Entry, Mid Level
$120K/yr - $165K/yr
2+ years expRamp is a financial operations platform that is rethinking how modern finance teams function in the age of AI. The Credit Risk Associate will leverage data to develop and optimize credit strategies, including underwriting and customer management strategies, while working with cross-functional teams to execute risk strategies and lead strategic initiatives.
FinanceFinancial ServicesFinTech
Responsibilities
Leverage internal and external data (e.g. banking data, commercial credit bureau data, financial accounting data, sales data, etc.) to create 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, etc.) 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
Qualification
Required
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
Preferred
Experience in high-growth startups
Experience building complex financial products
Benefits
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
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)
Company
Ramp
Ramp is a financial operations platform designed to save companies time and money
1001-5000 employees
H1B Sponsorship
Ramp has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (29)
2024 (24)
2023 (11)
2022 (10)
2021 (2)
2020 (2)
Funding
Current Stage
Late StageTotal Funding
$2.98BKey Investors
Lightspeed Venture PartnersICONIQ CapitalFounders Fund
2025-11-17Series Unknown· $311.72M
2025-07-30Series E· $500M
2025-06-14Series E· $200M
Leadership Team
Eric Glyman
Co-Founder, CEO
Gene Lee
Co-founder, focused on growth
Recent News
Crunchbase News
2026-01-23
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2026-01-22
PR Newswire
2026-01-22
Company data provided by crunchbase