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Credit Risk Analyst

Ramp New York City, USA
Gepostet vor 3 Tagen Home-Office Permanent $114k - $135k
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. More than 10,000 customers cut their expenses by 3.5% per year and closing 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 at an increasingly large scale, 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 most innovative finance company in 2022.

About the Role

As a founding member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies, including underwriting and customer management strategies. This role requires an understanding of credit concepts, fluency with data, and the ability to drive a broad set of projects fairly independently. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to partner and execute on risk strategies.

What You'll Do
  • Leverage external (e.g. banking data, commercial credit bureau data, financial accounting data, sales data, etc.) and internal performance data to come up with insights to develop best in class credit policies (e.g. underwriting, credit limit increase programs, risk management) that will create value for Ramp and its customers
  • Understand Ramp's exposure to risk across multiple products (charge card, reimbursements, bill pay) to create holistic underwriting and risk management strategies
  • Implement risk metric monitoring by researching/resolving risk events and developing levers that mitigate risk factors
  • Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
  • Partner with product, engineering and design teams to execute credit policies and features, and shape the risk management infrastructure
  • Partner with data scientists to build and leverage credit risk models in Ramp's credit policy
  • Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting
What You Need
  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL, Python, or R for data retrieval and manipulations
  • Experience within consumer/corporate/small business cards, payments, lending, or related industries
  • Excellent written and verbal communication skills
Nice to Haves
  • Experience in high growth startups
  • Experience building complex financial products
Compensation
  • The annual salary/OTE range for the target level for this role in NYC is $114,750-$135,000 + target equity + benefits (including medical, dental, vision, and 401(k)
Ramp Benefits (for U.S. based employees)
  • 100% medical, dental & vision insurance coverage for you
    • Partially covered for your dependents
    • OneMedical annual membership
  • 401k (including employer match)
    • Please note only 401k contributions made while employed by Ramp are eligible for an employer match
  • Unlimited PTO
  • Annual education reimbursement
  • WFH stipend to support your home office needs
  • Monthly wellness stipend; Headspace annual membership
  • Parental Leave
  • Relocation support
Job ID  4734622002
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