Risk Operations Specialist | Portfolio Risk Management

As an early member of Ramp's Risk Strategy & Operations team, 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 customer management interactions including payment holds/requests, credit limit increase requests, credit risk reviews, and delinquency management for Ramp’s corporate credit card and bill pay products - Provide best in class customer experience, while managing credit and fraud risk, by effectively managing customer support requests over 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 - Partner with data analysts to help develop KPIs and build monitoring dashboards - Have the ability to grow, develop and learn in a fast-paced, start-up environment What You Need - Minimum 2 years of experience in Credit Risk Management, Fraud Risk Management or Underwriting - 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 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

Ramp is the ultimate platform for modern finance teams. Combining corporate cards with expense management, bill payments, vendor management, accounting automation and more, Ramp's all-in-one solution is designed to save businesses time and money, and free finance teams to do the best work of their lives. Our mission is to help build healthier businesses, and it’s working: over 25,000 businesses on Ramp to save an average 5% and close their books 8x faster. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables tens of billions of dollars in purchases each year. 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. In 2023, Ramp was named Fast Company’s #1 Most Innovative Company in North America, LinkedIn’s #1 Top Startup in the U.S., a CNBC Disruptor, and a TIME100 Most Influential Company.