{"id":229919,"url":"https://alion.io/job/ramp-credit-risk-associate","title":"Credit Risk Associate","company":{"id":4342,"name":"Ramp","domain":"ramp.com","url":"https://alion.io/company/ramp","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"A","score":87,"open_postings":44,"ghost_share":0,"stale_share":0.523,"repost_share":0,"time_to_fill_p50_days":58,"computed_at":"2026-10-20T05:45:00Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["New York, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":108000,"max":200000,"currency":"USD","period":"year","gross":null,"usd_annual":200000},"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Claude Code","optional":false},{"name":"Human-in-the-Loop","optional":false},{"name":"OpenAI Codex","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-08-12T20:22:32Z","employer_posted_date":"2026-08-12","last_verified_at":"2026-10-20T23:59:57Z","board_verified":true,"closed_at":null,"days_open":69,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":69},"description":"About Ramp\nRamp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.\nThe problems are high-stakes, data-dense, and unforgiving.\nWe hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.\nThe median Ramp customer saves 5% and grows revenue 16% in their first year - far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.\nIf you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.\nAs a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies.\nCredit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end.\nIn this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.\nAI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off.\nWe are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.\nWhat You'll Do\nOwn credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.\n\nUse SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.\n\nBuild the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.\n\nUse AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.\n\nBuild AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.\n\nInvestigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.\n\nMake ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.\n\nPartner with Product, Engineering, Design, to execute and build the risk management infrastructure\n\nWhat You Need\nMinimum 2 years of experience in credit risk management or quantitative strategy role\n\nMinimum 2 years of experience using SQL or Python for data retrieval and manipulations\n\nAI 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.\n\nOwnership 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.\n\nStrong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.\n\nNice-to-Haves\nPrevious experience building credit risk in similar Card or expense management products\n\nPrevious experience in high-growth startups or environments where the operating model changed quickly.\n\nPrevious experience with Operations teams\n\nCompensation\nWe are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate). Level is determined during the interview process.\nThe expected base salary ranges are:\nAnalyst: $108,000 to $148,000\n\nAssociate: $140,000 to $192,000\n\nSenior Associate: $160,000 to $200,000\n\nThese ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.\nBenefits available to all full-time Ramp employees (Global)\nFlexible PTO\n\nCentralized home-office equipment ordering\n\nHealth and wellness stipend\n\nBudget for intra-office travel\n\nWeekly coffee stipend\n\nUnited States\n100% medical, dental & vision insurance coverage for you, with partial coverage for dependents\n\nOne Medical annual membership\n\n401(k), including employer match on contributions made while employed by Ramp\n\nFertility HRA (up to $10,000 per year)\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay\n\nPet insurance\n\nIn-office perks: lunch, snacks, drinks, and more\n\nRelocation expense coverage to NYC or SF (if needed)\n\nCanada\nGroup medical, dental, and vision coverage through Sun Life\n\nLife, AD&D, and disability coverage\n\nFertility drug coverage (up to $4,000 lifetime)\n\nGroup Retirement Plan with employer match (RRSP + DPSP)\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay\n\nEmployee Assistance Program and virtual care through Lumino Health\n\nUnited Kingdom\nPrivate medical insurance through Freedom Elite\n\nVirtual GP and at-home care via eMed x Livi\n\nWorkplace pension through Penfold, with salary sacrifice option\n\nParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay\n\nReferral Instructions\nIf you are being referred for the role, please contact that person to apply on your behalf.\nOther notices\nPursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.\nBeware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.\nRamp Applicant Privacy Notice","description_format":"text","description_chars":6651,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":2,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Equity","Health insurance","Insurance coverage","Parental leave","Retirement plans","Vision insurance"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":true,"industries":["Cards & Card Issuing","Procurement & Spend Management"],"lifecycle":[{"event":"open","at":"2026-09-05T09:39:54Z"}],"visa":[],"liveness":{"score":21,"band":"cold","label":"Long shot","p_open":1,"p_active":0.478,"p_room":0.44,"age_days":68,"expected_fill_days":58,"reasons":["conf:2","stale_co","velocity","win:tail","crowd:junior,brand"],"computed_at":"2026-10-20T05:45:00Z"},"pay":{"stated_usd_annual":200000,"is_top_pay":true},"html_url":"https://alion.io/job/ramp-credit-risk-associate","json_url":"https://alion.io/job/ramp-credit-risk-associate.json","meta":{"generated_at":"2026-10-21T00:40:51Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":1034,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-22T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":4342},"rest":"https://alion.io/mcp/rest/get_company?id=4342"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Framp-credit-risk-associate"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Framp-credit-risk-associate"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Framp-credit-risk-associate"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/ramp-credit-risk-associate\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Framp-credit-risk-associate"}]}