Risk Operations Specialist | Underwriting New York, San Francisco, Miami, Remote (US or Canada)

Ramp; New York (NY); Remote; USD 80,000 - 112,000; Full time

Job summary

Join a dynamic and innovative firm that is revolutionizing financial operations! As a key member of the Risk Strategy & Operations team, you will play a crucial role in driving operational initiatives related to underwriting and customer risk management. This position offers the opportunity to work with a data-driven approach to enhance customer experiences while managing credit and fraud risks. You'll be part of a fast-paced environment where your contributions will directly impact the company's growth and success. If you're passionate about using your skills to make a difference in the financial sector, this role is perfect for you!

Benefits

100% medical, dental & vision insurance coverage

401k with employer match

Flexible PTO

Fertility HRA (up to $5,000 per year)

WFH stipend

Wellness stipend

Parental Leave

Relocation support to NYC or SF

Pet insurance

Qualifications

• 1-2 years of experience in Underwriting or Risk Management.
• Strong background in customer support and communication skills.

Responsibilities

• Develop and execute risk underwriting policies for onboarding.
• Build monitoring dashboards for underwriting outcomes and processes.

Skills

Underwriting

Credit Risk Management

Fraud Risk Management

Investigative Skills

Critical Thinking

Communication Skills

Education

BA/BS from an accredited university

Tools

SQL

Python

Job description

About Ramp

Ramp is a financial operations platform designed to save businesses time and money. Combining corporate cards with expense management, bill payments, vendor management, accounting automation, and more, Ramp's all-in-one solution frees finance teams to do the best work of their lives. More than 25,000 companies, from family-owned farms to e-commerce giants to space startups, have saved $1B and 10M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over 35 billion dollars in purchases each year.

Ramp's investors include Sequoia, Founders Fund, Thrive Capital, Khosla Ventures, Greylock, Stripe, Goldman Sachs, Coatue, and Redpoint, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart.

Ramp has been named to Fast Company's Most Innovative Companies list and LinkedIn's Top U.S. Startups for over 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine's 100 Most Influential Companies.

About the Role

As an early member of Ramp's Risk Strategy & Operations, you will drive operational initiatives related to underwriting, customer risk management, and fraud. This role requires an understanding of underwriting processes, fluency with data, and the ability to analyze risk vectors such as credit and fraud risks. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.

Weekend work is required for this role, with the flexibility to choose either Saturday or Sunday each week to support underwriting operations.

What You’ll Do

• Develop and execute Ramp’s risk underwriting policy used to onboard new business to the Ramp platform across corporate credit card and bill pay products

• Build and maintain monitoring dashboards for underwriting outcomes, processes and losses

• Partner with product and engineering to build best in class risk tooling to increase operations efficiency

• Research emerging underwriting and fraud trends to innovate on Ramp's decisioning systems and policies

• Provide best in class customer experience, while managing credit and fraud risk, by effectively managing customer support requests on their application over phone and email

• Have the ability to grow, develop and learn in a fast-paced, start-up environment

What You Need

• Minimum 1-2 years of experience in Underwriting, Credit Risk Management or Fraud Risk Management

• Experience within consumer/ corporate/ small business cards, payments, invoices, lending, or related industries

• Excellent written and verbal communication skills

• Strong background in customer support via email

• Investigative and critical thinking skills

• BA/BS from an accredited university

Nice-to-Haves

• Experience in high growth startups

• Experience building complex financial products

• Knowledge of SQL or Python

• Strong background in customer support via phone

Compensation

• ForcandidateslocatedinNYCorSF,thepayrangeforthisroleis$80,800 -$111,100. Forcandidateslocatedinallotherlocations,thepayrangeforthisroleis$72,700- $100,000.

Benefits (for U.S.-based full-time employees)

• 100% medical, dental & vision insurance coverage for you

  • Partially covered for your dependents

  • One Medical annual membership

• 401k (including employer match on contributions made while employed by Ramp)

• Flexible PTO

• Fertility HRA (up to $5,000 per year)

• WFH stipend to support your home office needs

• Wellness stipend

• Parental Leave

• Relocation support to NYC or SF

• Pet insurance

Other notices

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