信用风险专员
Credit Risk Associate
Ramp 正在构建金融团队的智能基础设施，嵌入企业每一笔支出的交易流程中。我们自动化处理超过 2000 亿美元的年度支出在 70,000 多家公司的流动：授权付款、标记风险、分类支出、完成账务结算。
这些问题高风险、数据密集且不容失误。
我们招聘具有高度自主性和紧迫感的人才。我们更看重的是你所构建的东西，而不是你在哪里接受的训练。在 Ramp，每个人都是从头到尾负责问题的建造者，并做出影响结果的重要决策。
Ramp 的平均客户在第一年节省了 5%，营收增长了 16%——远超没有使用 Ramp 的企业。我们相信每一家有抱负的公司都应享有同样的机会。
如果你希望构建直接塑造企业如何移动和管理数十亿美元的系统，Ramp 就是你的选择。
作为 Ramp 风险策略与运营团队的一员，你将利用数据来开发和优化信用策略。
信用是 Ramp 最具影响力的的产品之一。每一次政策变化都会影响客户如何增长使用量，以及 Ramp 如何负责任地扩展同时管理风险。信用风险策略团队负责这些权衡的全流程。
在这个职位中，你将负责或协助构建信用风险领域的策略，如信用额度、支付速度和催收等。你将面对模糊的问题，深入数据，原型化解决方案，并与产品、工程、数据科学、风险运营、财务、客户体验和合规部门合作推动变更。
需要具备 AI 流畅能力。我们把 AI 作为风险管理系统的核心支柱之一，你将负责原型设计和管理相关的代理工具。你应该已经使用 Claude Code、Codex 或类似 AI 工具来编写代码、探索数据、原型化应用、自动化工作流并检查自己的工作。你不需要是软件工程师，但需要使用 AI 来交付可运行或可检查的成果，以便测试、改进和交接。
我们寻找具有高度自主性和紧迫感的建造者：那些原型化工作流程，而不是仅仅为他人编写建议的人。
你将负责：
- 负责模型原型设计、信用额度、支付速度、催收等领域的信用风险策略
- 使用 SQL、量化推理和信用风险判断来调查模式、评估机会、定义政策变更
查看英文原文
ABOUT RAMP
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. 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. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies.
Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end.
In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. 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. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off.
We are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.
What You'll Do
- Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
- Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
- Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
- Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
- Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
- Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
- Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
- Partner with Product, Engineering, Design, to execute and build the risk management infrastructure
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
- AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
- 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.
- Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.
Nice-to-Haves
- Previous experience building credit risk in similar Card or expense management products
- Previous experience in high-growth startups or environments where the operating model changed quickly.
- Previous experience with Operations teams
Compensation
We are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate). Level is determined during the interview process.
The expected base salary ranges are:
- Analyst: $108,000 to $148,000
- Associate: $140,000 to $192,000
- Senior Associate: $160,000 to $200,000
These ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.
BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL)
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
UNITED STATES
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- 401(k), including employer match on contributions made while employed by Ramp
- Fertility HRA (up to $10,000 per year)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
- Pet insurance
- In-office perks: lunch, snacks, drinks, and more
- Relocation expense coverage to NYC or SF (if needed)
CANADA
- 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
UNITED KINGDOM
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold, with salary sacrifice option
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
REFERRAL INSTRUCTIONS
If you are being referred for the role, please contact that person to apply on your behalf.
OTHER NOTICES
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
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