Ramp

Risk Operations Specialist | Portfolio Risk Management

New York, New York, United States

$92,100 – $140,700Compensation
Mid-level (3 to 4 years), Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Fintech, Data & AnalyticsIndustries

Requirements

Candidates must have a minimum of 2 years of experience in Credit Risk Management, Fraud Risk Management, or Underwriting. Experience within consumer, corporate, small business cards, payments, invoices, lending, or related industries is required. Excellent written and verbal communication skills are essential, along with a strong background in customer support via email. Investigative and critical thinking skills are necessary, and a BA/BS from an accredited university is required.

Responsibilities

The Risk Operations Specialist will execute Ramp's risk management policies on key customer management interactions, including payment holds, credit limit increase requests, and delinquency management for Ramp’s corporate credit card and bill pay products. They will provide a best-in-class customer experience while managing credit and fraud risk, effectively handling customer support requests over phone and email. The role involves working directly with internal and external stakeholders on documentation of processes and risk updates across the organization. The specialist will also own a critical piece of the feedback loop to improve customer user experience and partner with data analysts to develop KPIs and build monitoring dashboards.

Skills

Risk Management
Credit Risk
Fraud Risk
Data Analysis
Operational Initiatives
Customer Needs
Risk Vectors
Systematic Decisions

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.

Key Metrics

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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