About the job

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 25,000 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 help execute and maintain operational initiatives that manage credit and fraud risk for Ramp’s growing customer base. This role requires an understanding of risk management processes and the ability to analyze risk vectors, such as credit and fraud risks, while managing customer needs. 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

Execute Ramp’s risk management policies on key risk portfolio management interactions, including payment holds/requests, credit limit increase, and delinquency management for Ramp’s corporate credit card and bill pay productsHelp own and define agenda of policy development and implementation across risk operatorsMentor and eventually manage more junior risk operators to make sound decisions on complex risk mattersSupport leadership in initiatives and develop Risk Ops KPIsProvide best-in-class customer experience while managing credit and fraud risk by effectively managing customer support requests over the phone and emailWork directly with internal and external stakeholders on documentation of processes, escalations, and risk updates across the organizationOwn a critical piece of the feedback loop to improve our customer user experience, including partnering with product and engineering to build best-in-class risk tooling to increase operational efficiencyHave the ability to grow, develop, and learn in a fast-paced, start-up environment

What You Need

Minimum 7 years of experience in Credit Risk Management, Fraud Risk Management, or UnderwritingMinimum 2 years of people management in Risk OperationsExperience within consumer/ corporate/ small business cards, payments, invoices, lending, or related industriesExcellent written and verbal communication skillsStrong background in customer support via emailInvestigative and critical thinking skillsBA/BS from an accredited university

Nice to Haves

Experience in high-growth startupsExperience building complex financial productsStrong background in customer support via phone and email

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

100% medical, dental & vision insurance coverage for youPartially covered for your dependentsOne Medical annual membership401k (including employer match on contributions made while employed by Ramp)Flexible PTOFertility HRA (up to $5,000 per year)WFH stipend to support your home office needsWellness stipendParental LeaveRelocation support for NYPet insurance

Other notices

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.