Risk Operations Lead

About Ramp

Ramp is a financial operations platform designed to save businesses time and money. Combining corporate cards with expense management, bill payments, vendor management, accounting automation, and more, Ramp’s all-in-one solution frees finance teams to do the best work of their lives. More than 25,000 companies, from family-owned farms to e-commerce giants to space startups, have saved $1B and 10M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over 35 billion dollars in purchases each year.

Ramp’s investors include Sequoia, Founders Fund, Thrive Capital, Khosla Ventures, Greylock, Stripe, Goldman Sachs, Coatue, and Redpoint, 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 has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for over 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies.

About the Role

As an early member of Ramp’s Risk Strategy & Operations, you will help execute and maintain operational initiatives that manage credit and fraud risk for Ramp’s growing customer base. This role requires an understanding of risk management processes and the ability to analyze risk vectors, such as credit and fraud risks, while managing customer needs. 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

• Execute Ramp’s risk management policies on key risk portfolio management interactions, including payment holds/requests, credit limit increase, and delinquency management for Ramp’s corporate credit card and bill pay products

• Help own and define agenda of policy development and implementation across risk operators

• Mentor and eventually manage more junior risk operators to make sound decisions on complex risk matters

• Support leadership in initiatives and develop Risk Ops KPIs

• Provide best-in-class customer experience while managing credit and fraud risk by effectively managing customer support requests over the phone and email

• Work directly with internal and external stakeholders on documentation of processes, escalations, and risk updates across the organization

• Own a critical piece of the feedback loop to improve our customer user experience, including partnering with product and engineering to build best-in-class risk tooling to increase operational efficiency

• Have the ability to grow, develop, and learn in a fast-paced, start-up environment

What You’ll Need

• Minimum 7 years of experience in Credit Risk Management, Fraud Risk Management, or Underwriting

• Minimum 2 years of people management in Risk Operations

• Experience within consumer/ corporate/ small business cards, payments, invoices, lending, or related industries

• Excellent written and verbal communication skills

• Strong background in customer support via email

• Investigative and critical thinking skills

• BA/BS from an accredited university

Nice to Haves

• Experience in high-growth startups

• Experience building complex financial products

• Strong background in customer support via phone and email

Benefits (for U.S.-based full-time employees)

• 100% medical, dental & vision insurance coverage for you

  • Partially covered for your dependents

  • One Medical annual membership

• 401k (including employer match on contributions made while employed by Ramp)

• Flexible PTO

• Fertility HRA (up to $5,000 per year)

• WFH stipend to support your home office needs

• Wellness stipend

• Parental Leave

• Relocation support for NY

• Pet insurance

Other notices

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.