Credit Risk Analyst

As a 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, and the ability to take ownership of credit risk outcomes and lead strategic initiatives.

What You’ll Do

• 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

What You Need

• 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

Nice-to-Haves

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

Compensation

• The annual salary/OTE range for the target level for this role is $114,750-$135,000 + target equity + benefits (including medical, dental, vision, and 401(k)

Ramp Benefits (for U.S. based employees)

• 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 $5,000 per year)
• WFH stipend to support your home office needs
• Wellness stipend
• Parental Leave
• Relocation support
• Pet insurance