Associate, Capital Markets

RAMP; New York; On-site; USD 130,000 - 190,000; Full time

Benefits offered by this job

Flexible PTO

Centralized home-office equipment

Health and wellness stipend

Budget for intra-office travel

Weekly coffee stipend

Job summary

Ramp is seeking an Associate, Capital Markets to enhance and scale our Finance and Capital Markets function. You will optimize funding strategies, manage capital partner relationships, and partner across accounting, data, engineering, finance, product, treasury, and risk.

You’ll contribute to Ramp’s growth in a fast-paced startup environment. The role offers exposure to Ramp’s leadership team and opportunities for professional growth as we expand our capital markets capabilities and financial

Qualifications

• Bachelor’s degree in finance, economics, or related field.
• 3+ years of experience in sell-side/buy-side ABS trading, securitization, asset financing, leveraged finance, or coverage banking (FIG)
• Excellent financial modeling and quantitative data analytics skills
• Comfortable with large data sets
• Extremely detail-oriented with a high regard for precision
• Relationship-minded with excellent communication abilities, both written and verbal
• Ability to thrive in small, collaborative, and ambiguous environments
• Ability to blend strategic and tactical skills
• Familiarity with AI tools

Responsibilities

• Support the Capital Markets Team in live transactions with modeling, structuring, internal memos, lender communication, document review, and document execution
• Evaluate the impact of various funding strategies under the context of Ramp’s broader corporate strategy
• Engage cross-functionally on key strategic initiatives including product expansion, financial partnerships, bank partnerships, and issuing partnerships
• Evaluate economic outcomes and capital implications of new products and commercial agreements
• Manage the day-to-day aspects of Ramp’s warehouse facilities and ABS facilities
• Own the suite of Capital Markets models
• Ensure the accuracy of the Capital Markets data tapes and assist with rearchitecting them for product changes
• Identify ways to automate and streamline processes to increase efficiency and scalability

Skills

Financial modeling

Quantitative analytics

Large data sets

Attention to detail

Communication

Cross-functional collaboration

Strategic and tactical thinking

AI tools familiarity

Education

Bachelor’s Degree in finance, economics, or related field

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

We're seeking a driven Associate, Capital Markets to join Ramp's growing Finance and Capital Markets team. This role offers a unique opportunity to help build and scale a best-in-class Capital Markets function while making significant contributions to Ramp's growth.

As a key member of our team, you'll play a pivotal role in optimizing and executing Ramp's funding strategies while leveraging your expertise to help manage our capital partner relationships. You’ll also serve as a critical cross-functional partner, collaborating closely with teams across accounting, data, engineering, finance, product, treasury, and risk.

This position presents a rare opportunity for professional growth and development, regular exposure to Ramp’s leadership team, and the chance to make a true impact at a fast-paced start-up.

What You'll Do

• Support the Capital Markets Team in live transactions with modeling, structuring, internal memos, lender communication, document review, and document execution

• Evaluate the impact of various funding strategies under the context of Ramp’s broader corporate strategy

• Engage cross-functionally on key strategic initiatives including product expansion, financial partnerships, bank partnerships, and issuing partnerships

• Evaluate economic outcomes and capital implications of new products and commercial agreements

• Manage the day-to-day aspects of Ramp’s warehouse facilities and ABS facilities

• Own the suite of Capital Markets models

• Ensure the accuracy of the Capital Markets data tapes and assist with rearchitecting them for product changes

• Identify ways to automate and streamline processes to increase efficiency and scalability

What You Need

• Bachelor’s Degree in finance, economics, or related field

• 3+ years of experience working in a sell-side or buy-side ABS trading, securitization, asset financing-related, leveraged finance, or coverage banking (preferably FIG) role

• Excellent financial modeling and quantitative data analytics skills

• Comfortable with large data sets

• Extremely detail-oriented with a high regard for precision

• Relationship-minded with excellent communication abilities, both written and verbal

• Ability to thrive in small, collaborative, and ambiguous environments

• Ability to blend strategic and tactical skills

• Familiarity with AI tools

Nice-to-Haves

• Expertise with AI tools

• Experience with capital-intensive fintech businesses

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 support to NYC or SF (as 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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