AI-Powered Credit Risk Strategist

Ramp; New York (NY); On-site; USD 108,000 - 200,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment stipend

Health and wellness stipend

Budget for intra-office travel

Weekly coffee stipend

Relocation assistance to NYC or SF

Job summary

Ramp is seeking a Risk Strategy & Operations professional in New York to own and optimize credit risk strategies. You will prototype models, set policy on limits, payment speed, and collections, and push changes with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.

AI fluency is required; you will prototype and manage AI agents and tools, using Claude Code, Codex, or similar to ship runnable work and test results before adopting them in credit

Qualifications

• Minimum 2 years of experience in credit risk management or quantitative strategy.
• 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.

Responsibilities

• 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

Skills

Credit risk management

Quantitative strategy

SQL or Python

AI fluency

Tools

SQL

Python

Claude Code

Codex

Job description

Ramp is seeking a Risk Strategy & Operations professional in New York to own and optimize credit risk strategies. You will prototype models, set policy on limits, payment speed, and collections, and push changes with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.

AI fluency is required; you will prototype and manage AI agents and tools, using Claude Code, Codex, or similar to ship runnable work and test results before adopting them in credit