Senior Credit Underwriter | UK

Ramp; Greater London; On-site; GBP 70,000 - 120,000; Full time

Benefits offered by this job

Private medical insurance

Virtual GP access

Pension plan

Parental leave

Job summary

Ramp is seeking a Senior Underwriter to join our EU underwriting team. You’ll evaluate businesses applying to Ramp, make credit and risk decisions, and help improve how we assess customers across our products.

This is an early regional role supporting EU and US applicants. We’re looking for someone with strong financial judgment who can work independently, make clear decisions with incomplete information, and help us build scalable underwriting processes.

Qualifications

• 4+ years of underwriting or credit risk experience.
• Experience with corporate cards, payments, fintech, or banking sectors.
• Strong financial statement review skills and data analysis.
• Ability to make defensible decisions with incomplete information.
• Clear written and verbal communication skills.
• Experience creating or improving underwriting processes in fast-moving environments.
• Experience underwriting European businesses or EU customers.

Responsibilities

• Review applications for Ramp’s corporate card and bill pay across EU and US.
• Analyze financial statements, bank data, bureau information and other risk signals.
• Recommend outcomes: approval, decline, lower limit, or information request.
• Communicate with customers when additional information is needed.
• Manage underwriting queue while meeting quality and SLA targets.
• Partner with Risk, Product, Engineering, Sales and Support to improve policies and workflows.
• Identify emerging risks and use AI to improve decision quality and efficiency.

Skills

Underwriting

Financial analysis

Risk assessment

Independent work

Communication

EU experience

AI/automation

Job description

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.

About the Role

Ramp is looking for a Senior Underwriter to join our Underwriting team in Europe. You’ll evaluate businesses applying to Ramp, make credit and risk decisions, and help improve how we assess customers across our products.

This is an early regional role supporting EU and US applicants. We’re looking for someone with strong financial judgment who can work independently, make clear decisions with incomplete information, and help us build scalable underwriting processes.

What You’ll Do

• Review applications for Ramp’s corporate card and bill pay products across the EU and US.




• Analyze financial statements, bank data, bureau information, and other risk signals to assess business health and repayment ability.




• Recommend the appropriate outcome, including approval, decline, a lower limit, or a request for additional information.




• Communicate clearly with customers when additional information or context is needed.




• Manage an underwriting queue while meeting quality and SLA expectations.




• Partner with teams across Risk, Product, Engineering, Sales, and Customer Support to improve policies, tools, and workflows.




• Identify emerging risks and use AI and automation to improve decision quality and efficiency.

What You Need

• 4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.




• Experience in corporate cards, payments, fintech, banking, or related financial services.




• Strong financial analysis skills and experience reviewing financial statements, bank data, and transaction activity.




• Sound judgment and the ability to make defensible decisions with incomplete or conflicting information.




• Clear written and verbal communication skills.




• Experience operating independently and building or improving underwriting processes in a fast-moving environment.




• Experience underwriting European businesses or working with EU-based financial services customers.




• Experience using AI or automation to improve workflows.

Nice to Have

• Experience at a high-growth startup or on a scaling operations team.

Work Schedule

This role will follow a schedule aligned with European customer needs, extending Ramp’s underwriting coverage beyond standard US business hours.

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

Other notices

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

Ramp Applicant Privacy Notice