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About the Role

Ramp is seeking a Risk Operations Specialist for its Underwriting team in Europe. This role involves evaluating businesses, making credit and risk decisions, and enhancing assessment systems. You will collaborate with various teams to define underwriting standards for EU and US applicants, applying sound judgment and financial data analysis. The position requires comfort with incomplete information and leveraging AI/automation to improve efficiency, consistency, and quality.

Responsibilities

Review new business applications and make underwriting recommendations for Ramp’s corporate card and bill pay products for EU and US applicants.
Analyze financial statements, bank data, bureau information, application details, and other risk signals to assess business health and repayment ability.
Recommend underwriting outcomes, including approval, decline, limit adjustments, or requests for more information.
Communicate professionally with customers to request additional financial information or context.
Maintain high-quality decisions while managing a queue with defined SLAs and quality expectations.
Build and improve underwriting documentation, workflows, and operating procedures.
Partner with Risk Strategy, Product, Engineering, Sales, and Customer Support to enhance policies, tools, and customer experience.
Monitor underwriting outcomes and identify trends, gaps, or emerging risks.
Utilize AI and automation to improve speed, consistency, review quality, and operational leverage.

Requirements

4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.
Experience in corporate cards, small business cards, payments, invoices, lending, fintech, banking, or related financial services.
Strong financial analysis skills, including comfort reviewing financial statements, bank data, transaction activity, and other business health indicators.
Clear written and verbal communication skills, particularly for explaining underwriting decisions or requesting customer information.
Strong investigative judgment and ability to make defensible decisions with incomplete or conflicting data.
Comfort operating independently in a fast-moving environment, especially as an early regional underwriting team member.
Strong attention to detail and discipline around documentation, quality, and SLA management.
Demonstrated AI fluency, including experience building and implementing AI-driven workflows.
Experience underwriting businesses in European markets or working with EU-based financial services customers.
Experience building or improving underwriting SOPs, risk playbooks, dashboards, or operational workflows.

Skills

Financial analysis
Written communication
Verbal communication
Investigative judgment
Attention to detail
Documentation
AI fluency
SQL
Python
Analytics

Location

Europe
United States
Canada
United Kingdom
NYC
SF

Work Type

Full-time
Remote

Experience Level

4+ years

Benefits

Flexible PTO
Unlimited AI token usage
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
100% medical, dental & vision insurance coverage for you, with partial coverage for dependents (US)
One Medical annual membership (US)
401(k), including employer match on contributions made while employed by Ramp (US)
Fertility HRA (up to $10,000 per year) (US)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay (US)
Pet insurance (US)
In-office perks: lunch, snacks, drinks, and more (US)
Relocation support to NYC or SF (as needed) (US)
Group medical, dental, and vision coverage through Sun Life (Canada)
Life, AD&D, and disability coverage (Canada)
Fertility drug coverage (up to $4,000 lifetime) (Canada)
Group Retirement Plan with employer match (RRSP + DPSP) (Canada)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay (Canada)
Employee Assistance Program and virtual care through Lumino Health (Canada)
Private medical insurance through Freedom Elite (UK)
Virtual GP and at-home care via eMed x Livi (UK)
Workplace pension through Penfold, with salary sacrifice option (UK)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay (UK)

About the Company

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.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built.
At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp.
We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.

Equal Opportunity

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
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