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Salary: USD 140,000 - 192,000 / annual
Ramp is building intelligent financial infrastructure for enterprise spend management, automating over $200B in annualized spend across 70,000+ companies. As a Credit Risk Associate on the Risk Strategy & Operations team, you will develop and optimize credit strategies that directly impact how customers grow and how Ramp scales responsibly.
You will own or co-own credit risk strategy across areas including credit limits, payment speed, collections, and model prototyping. Your work involves taking ambiguous problems, extracting insights from data, prototyping solutions, and collaborating with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance to drive changes.
Key responsibilities include: investigating patterns and sizing opportunities using SQL and quantitative reasoning; building first-version workflows (tools, dashboards, agents, notebooks, QA loops, monitors, decisioning processes) when they don't exist; using AI tools daily for research, analysis, coding, and verification; integrating AI into credit risk workflows for feature exploration, policy monitoring, case review, and decision support; evaluating new data sources and model features; and making credit risk decisions that balance loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
You'll need minimum 2 years in credit risk management or quantitative strategy, plus 2+ years using SQL or Python for data work. AI fluency is required—you should be actively using tools like Claude Code or Codex to write code, explore data, prototype applications, and automate workflows. You must demonstrate ownership in ambiguity, defining questions, retrieving data, making calls, communicating tradeoffs, and driving follow-through. Strong communication skills are essential for translating complex credit decisions into clear narratives for leadership and cross-functional partners.
Nice-to-haves include experience building credit risk in card or expense management products, high-growth startup environments, and operations teams.
