Credit Risk Associate

About the role

You own the end-to-end credit risk strategy for Ramp's fastest-growing products, translating ambiguous business questions into data-driven policies that directly affect how customers use credit. You will prototype solutions for credit limits, payment speed, and collections, balancing growth, compliance, and risk-adjusted returns with high urgency. You leverage AI as a core pillar of the risk stack, building and iterating on agents and tools that augment decision-making and monitoring. You partner tightly with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance to ship changes that move the business. You investigate patterns in high-dimensional transaction data, define guardrails, and pressure-test recommendations before they impact customers or revenue. You own the narrative behind every credit decision, distilling technical findings into clear actions for leadership and cross-functional stakeholders. You build the first useful version of a workflow, tool, or dashboard when none exists, ensuring it is testable, improvable, and ready for handoff.

Key facts

What you'll do

• Own credit risk strategy across model prototyping, credit limits, payment speed, and collections, defining policy changes and success metrics.
• Use SQL and quantitative reasoning to investigate patterns, size opportunities, and pressure-test recommendations before presenting actionable options.
• Build the first useful version of a workflow, tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process when none exists.
• Use AI tools every day to accelerate research, analysis, coding, synthesis, writing, verification, and follow-through on credit risk tasks.
• Integrate AI into credit risk workflows, including feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
• Evaluate new data sources and model features for signal quality, coverage, failure modes, and impact on credit decisions and risk exposure.
• Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
• Partner with Product, Engineering, Design, and cross-functional teams to execute and build the risk management infrastructure end to end.
• Communicate complex credit risk analyses into clear narratives that leadership and stakeholders can act on without additional translation.
• Define and monitor guardrails, ensuring policies remain aligned with business objectives, regulatory requirements, and risk tolerance.
• Prioritize initiatives based on impact, feasibility, and risk, managing tradeoffs between speed, accuracy, and operational stability.
• Own post-launch monitoring for credit-related products, identifying regressions, drift, and edge cases that require rapid iteration.
• Maintain documentation for policies, decision logic, and evaluation methods to support audits, compliance, and knowledge transfer.
• Drive continuous improvement by testing hypotheses, running experiments, and refining models and policies based on observed outcomes.

Requirements

• Minimum 2 years of experience in credit risk management or a quantitative strategy role involving data-driven decision-making.
• Minimum 2 years of hands-on experience using SQL or Python for data retrieval, manipulation, and analysis in a production environment.
• AI fluency you can demonstrate live: name the tools you use, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
• A builder's ownership in ambiguity, where you define the question, obtain the data, make the call, communicate tradeoffs, and drive follow-through without waiting for perfectly scoped work.
• Strong communication skills, with the ability to compress complex credit risk decisions into a clear narrative that leadership and cross-functional partners can act on.
• Comfort working with high-stakes, data-dense problems where decisions affect revenue, risk exposure, and customer trust.
• Demonstrated ability to prototype solutions and push changes in collaboration with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.
• Willingness to use AI as a core tool for coding, exploration, synthesis, verification, and workflow automation in a risk management context.
• Understanding of how policy changes can impact customer growth, retention, and responsible scaling of credit products.
• Commitment to operating within regulatory and compliance guardrails while balancing business objectives.
• Willingness to work full-time in New York, NY headquarters and collaborate across distributed teams.

Nice to have

• Previous experience building credit risk in similar Card or expense management products.
• Previous experience in high-growth startups or environments where the operating model changed quickly.
• Previous experience working with Operations teams to implement and monitor risk policies.

Practical notes

This role is full-time based in New York, NY (HQ). The position is eligible for flexible PTO, centralized home-office equipment ordering, and a health and wellness stipend as part of Ramp's global benefits package.