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Senior Credit Underwriter | UK

Ramp· Risk
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London, UK£74k - £100kFull-timePosted 3mo ago

About the role

Senior Underwriter role in Ramp's Europe underwriting team, evaluating applications for corporate card and bill pay products, making credit and risk decisions, and helping build scalable underwriting processes for EU and US applicants.

Responsibilities

  • Review applications for Ramp’s corporate card and bill pay products across the EU and US.
  • Analyze financial statements, bank data, bureau information, and other risk signals to assess business health and repayment ability.
  • Recommend the appropriate outcome, including approval, decline, a lower limit, or a request for additional information.
  • Communicate clearly with customers when additional information or context is needed.
  • Manage an underwriting queue while meeting quality and SLA expectations.
  • Partner with teams across Risk, Product, Engineering, Sales, and Customer Support to improve policies, tools, and workflows.
  • Identify emerging risks and use AI and automation to improve decision quality and efficiency.

Qualifications

  • 4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.
  • Experience in corporate cards, payments, fintech, banking, or related financial services.
  • Strong financial analysis skills and experience reviewing financial statements, bank data, and transaction activity.
  • Sound judgment and the ability to make defensible decisions with incomplete or conflicting information.
  • Clear written and verbal communication skills.
  • Experience operating independently and building or improving underwriting processes in a fast-moving environment.
  • Experience underwriting European businesses or working with EU-based financial services customers.
  • Experience using AI or automation to improve workflows.

Skills

Required:UnderwritingFinancial statement analysisCommunicationIndependent work / process improvementEU market experienceAI / automation in workflows

Benefits

  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend
  • Private medical insurance (UK) via provided benefits package
  • Virtual GP and at-home care via partner services
  • Workplace pension with salary sacrifice option
  • Parental leave provisions (UK)
Last updated Oct 22, 2026. Interested? Apply on the company site.
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About Ramp

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