New Grad 2023 | Risk Operations Specialist | Underwriting

Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. Over 12,000 customers cut their expenses by 3.5% per year and close their books 8x faster by switching to the Ramp platform.

Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow quickly, more than doubling its revenue run rate in the first half of 2022.

Valued at $8.1 billion, Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp was named Fast Company’s #1 Most Innovative Company in North America in 2023 and #5 on LinkedIn Top Startups 2022.

Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. Over 12,000 customers cut their expenses by 3.5% per year and close their books 8x faster by switching to the Ramp platform.

Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow quickly, more than doubling its revenue run rate in the first half of 2022.

Valued at $8.1 billion, Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp was named Fast Company’s #1 Most Innovative Company in North America in 2023 and #5 on LinkedIn Top Startups 2022.

About The Role

As an early member of Ramp's Risk Strategy & Operations, you will drive operational initiatives related to underwriting, customer risk management, and fraud. This role requires an understanding of underwriting processes, fluency with data, and the ability to analyze risk vectors such as credit and fraud risks. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.

What You’ll Do

• Build and maintain monitoring dashboards for underwriting outcomes, processes and losses
• Research emerging underwriting and fraud trends to innovate on Ramp's decisioning systems and policies
• Partner with product and engineering to build best in class risk tooling to increase operations efficiency
• 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

What You Need

• Experience in financial statement reviews and/or underwriting
• Graduating with a B.S. (or higher) in Business, Finance or a related technical field; this role is ideal for a candidate with an expected graduation date in or around June 2023 given the deferred start date in Summer/Fall 2023
• Excellent written and verbal communication skills
• Investigative and critical thinking skills

Nice to Haves

• Experience building complex financial products
• Experience in high growth startups
• Knowledge of SQL, Python, or R

Compensation

• The annual salary/OTE range for the target level for this role is $68,000-$80,000 + target equity + benefits (including medical, dental, vision, and 401(k)

Ramp Benefits (for U.S. Based Employees)

• Wellness stipend
• Pet insurance
• 100% medical, dental & vision insurance coverage for you
• Unlimited PTO
• Fertility HRA Up to $5,000 per year
• Relocation support
• Please note only 401k contributions made while employed by Ramp are eligible for an employer match
• WFH stipend to support your home office needs
• Partially covered for your dependents
• One Medical annual membership
• Parental Leave
• 401k (including employer match)