← All roles

Credit Risk Associate

Ramp· Risk
Apply on company site
Hybrid (New York, NY (HQ))$108k - $200kFull-timePosted 11mo ago

About the role

Ramp is seeking a Credit Risk Associate to own or help build risk strategies across credit risk areas, leveraging data, AI tooling, and cross-functional collaboration to optimize credit limits, payment speed, collections, and related workflows.

Responsibilities

  • Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
  • Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
  • Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
  • Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
  • Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
  • Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
  • Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
  • Partner with Product, Engineering, Design, to execute and build the risk management infrastructure

Qualifications

  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
  • AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
  • Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
  • Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on

Skills

Required:SQLPythonAI fluencyCommunicationAmbiguity ownership

Benefits

  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend
  • 100% medical, dental & vision insurance coverage for you (US)
  • One Medical annual membership (US)
  • 401(k) with employer match (US)
  • Fertility HRA (US)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay (US)
  • Pet insurance (US)
  • Relocation expense coverage to NYC or SF (US)
  • Group medical, dental, and vision coverage (Canada)
  • Private medical insurance through Freedom Elite (UK)
  • Virtual GP and at-home care via eMed x Livi (UK)
  • Workplace pension with salary sacrifice option (UK)
  • Parental leave (UK)
  • Employee Assistance Program and virtual care (Canada)
Last updated Oct 22, 2026. Interested? Apply on the company site.
Ramp logo

About Ramp

ai-agents-and-applicationsfinopsfintechpaymentsproductivitysetter-30setter-30-2026-q1wing-list-2026
Company profileWebsite

More open roles at Ramp