Risk Operations Lead | Underwriting at Ramp

New York, New York, United States

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$136,400 – $208,400Compensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Minimum 6 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
Weekend work required (flexibility to choose Saturday or Sunday each week)

Responsibilities

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
Drive operational initiatives related to underwriting, customer risk management, and fraud

Skills

Underwriting

Risk Management

Fraud Analysis

Data Analysis

Credit Risk

Customer Risk

Ramp

Corporate card and spend management platform

About Ramp

Ramp provides a corporate card and spend management platform that helps businesses track expenses and save money. The platform allows finance teams to manage corporate cards, expense reports, and bill payments in one place, and it integrates with tools like Slack for added convenience. Ramp serves a wide range of clients, from large enterprises to creative agencies, and aims to reduce overall expenses through its comprehensive financial tools. Unlike competitors such as Amex and Brex, Ramp generates revenue through interchange fees on card transactions and subscription fees for advanced features. The company's goal is to streamline financial operations for businesses and help them achieve significant cost savings.

New York City, New YorkHeadquarters

2019Year Founded

$1,096.3MTotal Funding

SERIES_DCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Competitive salaries: You never have to wonder how your pay compares. Our generous comp reflects our belief that you’ll take Ramp to the next level.

Comprehensive health plans: US-based employees get full medical, dental, and vision insurance coverage. Everyone gets a monthly stipend for personal wellness.

Professional development: Take advantage of our annual education stipends to stay on top of your personal growth.

Unlimited PTO: Flexible vacation days give you the time to step away, unwind, and recharge.

Risks

Increased competition from fintech startups could challenge Ramp's market position.

Economic downturns may reduce business spending, affecting Ramp's revenue streams.

The volatile travel industry poses risks to Ramp's new travel booking services.

Differentiation

Ramp integrates with popular tools like Slack and Workday for seamless financial operations.

The platform offers advanced accounting automations, reducing manual work for finance teams.

Ramp's use of stablecoins and modern financial instruments sets it apart from competitors.

Upsides

Ramp's integration with Workday enhances real-time data syncing and accounting automation.

The partnership with Priceline expands Ramp's services into the growing business travel sector.

Ramp's recent $750 million funding boosts its capacity for innovation and market expansion.

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