Credit Risk Associate, Risk Strategy & Operations
Overview
You own credit risk strategy at Ramp, shaping how $200B in annualized spend flows across 70,000+ companies. Working within the Risk Strategy & Operations team, you will prototype policies for credit limits, payment speed, and collections, balancing loss with growth. You will use SQL, Python, and AI tools to analyze data, build decision workflows, and push changes with Product, Engineering, and Data Science. This role stands out for its high agency: you build the first version, not just the recommendation. AI fluency is required, and you will manage AI agents in daily risk operations.
What You'll Do7
- 1Own credit risk strategy for model prototyping, credit limits, payment speed, and collections, using SQL and Python to investigate patterns and size opportunities.
- 2Build the first useful version when a workflow does not exist: a dashboard, notebook, agent, or decisioning process to test and improve.
- 3Use AI tools like Claude Code or Codex daily to accelerate research, coding, synthesis, and verification.
- 4Integrate AI into credit workflows for feature exploration, policy monitoring, case review, and exception handling.
- 5Investigate new data sources and model features, evaluating signal quality, coverage, and failure modes.
- 6Make ambiguous credit risk decisions, balancing loss, customer experience, operational burden, and risk-adjusted returns.
- 7Partner with Product, Engineering, and Design to execute risk management infrastructure.
Requirements5
- 12+ years in credit risk management or quantitative strategy role.
- 22+ years using SQL or Python for data retrieval and manipulation.
- 3AI fluency demonstrated live: name tools, show artifacts, explain failure modes, and verify outputs.
- 4Ownership in ambiguity: define the question, get data, make the call, and drive follow-through.
- 5Strong communication: compress complex decisions into clear narratives for leadership.
Salary Insight
$108 - $200k per year
Location
Required Skills
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