Credit Risk Associate

Overview

ABOUT RAMP Ramp 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. The problems are high-stakes, data-dense, and unforgiving.

What you'll do

• 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.
• 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.
• We 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.
• Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
• Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
• Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.

Requirements

• Practical experience with Python, Go, RAG.
• Experience level: 2+ yrs.
• Strong written and verbal communication in English.
• Comfortable working on-site in New York, NY (HQ).

Skills