Credit Risk Strategy Architect — AI-Driven & Data-Intense

Ramp; United States; Remote; USD 130,000 - 190,000; Full time

Job summary

Ramp's Risk Strategy Operations team seeks a data-driven professional to own or help build credit risk strategy across limits, payment speed, and collections. You will prototype workflows, push changes with cross-functional partners, and leverage AI tools to accelerate research and decision-making.

You will work with Product, Engineering, Data Science, Risk Operations, Finance, and Compliance to scale risk practices while maintaining high accuracy and responsible growth.

Qualifications

• Proven experience applying SQL to credit risk problems.
• Ability to prototype risk workflows and assess policy changes.
• Fluency with AI tools to accelerate research and development.

Responsibilities

• Own credit risk strategy for model prototyping, limits, speed, and collections.
• Use SQL and quantitative reasoning to identify patterns and size opportunities.
• Create initial tools/workflows when gaps exist (dashboard, app, agent, QA loop).
• Leverage AI daily to advance research, coding, and verification.
• Incorporate AI into risk workflows: monitoring, cases, and decision support.
• Explore new data sources and model features; evaluate si

Skills

SQL

Quantitative reasoning

Credit risk judgment

AI tooling

Tools

Claude Code

Codex

Job description

Ramp's Risk Strategy Operations team seeks a data-driven professional to own or help build credit risk strategy across limits, payment speed, and collections. You will prototype workflows, push changes with cross-functional partners, and leverage AI tools to accelerate research and decision-making.

You will work with Product, Engineering, Data Science, Risk Operations, Finance, and Compliance to scale risk practices while maintaining high accuracy and responsible growth.