Ramp
Credit Risk Associate
New York, NY (HQ) · Full-time
Sponsorship not specified$108k-$148kDetected 24 days ago
PythonSQLData ScienceResearchLeadershipCommunication
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odds of building a lasting career here
57Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role90
Entry-level history0
PERM / green-card track0
Lottery odds (Level III)83
Fits your clock70
Sponsors, but it's cap-subject — you still face the weighted lottery (~45% per draw at Level III). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
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About the role
- We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
- The problems are high-stakes, data-dense, and unforgiving.
- We hire people with high agency and high urgency.
Responsibilities
- Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
- Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
- Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
- Partner with Product, Engineering, Design, to execute and build the risk management infrastructure
- Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
- Previous experience building credit risk in similar Card or expense management products
Requirements
- You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.
- AI fluency is required.
Compensation
- The expected base salary ranges are:
- These ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.
- $108,000 to $148,000
- $140,000 to $192,000
- $160,000 to $200,000
- Fertility HRA (up to $10,000 per year)
Benefits
- Centralized home-office equipment ordering
- Health and wellness stipend
- Weekly coffee stipend
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- Relocation expense coverage to NYC or SF (if needed)
- Group medical, dental, and vision coverage through Sun Life
- Life, AD&D, and disability coverage
- Fertility drug coverage (up to $4,000 lifetime)
- Group Retirement Plan with employer match (RRSP + DPSP)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
- Employee Assistance Program and virtual care through Lumino Health
Company info
- Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk.
- We are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate).
This listing is sourced directly from Ramp's careers page and normalized into a canonical job model.