Senior Credit Underwriter | UK

Ramp Corp.; Greater London; Hybrid; GBP 80,000 - 120,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment ordering

Health and wellness stipend

Budget for intra-office travel

> Weekly coffee stipend

Job summary

Ramp Corp. is seeking a Senior Underwriter to join our EU underwriting team. You will assess businesses applying to Ramp, determine credit and risk outcomes, and help scale underwriting processes across Europe and beyond.

The role requires strong financial judgment, independence, and ability to work with incomplete data. You will analyze statements, bank data, and risk signals, communicate decisions clearly to customers, and partner with Risk, Product, Engineering, Sales, and Support to optimize

Qualifications

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

Responsibilities

• Review applications for Ramp’s corporate card and bill pay across EU/US.
• Analyze financial statements, bank data, and risk signals.
• Recommend outcomes: approve, decline, lower limit, or request more info.
• Communicate with customers when more information is needed.
• Manage underwriting queue to meet quality and SLA targets.
• Collaborate with Risk, Product, Engineering, Sales, and Support to improve policies and tools.
• Identify emerging risks and leverage AI to improve decision quality.

Skills

Underwriting

Credit risk analysis

European markets

Independent decision making

AI/automation usage

Communication

Fintech knowledge

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.

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