Ramp4 дня назад
Senior Risk Operations Specialist | Underwriting (UK)
Полная занятостьОфис
Обязанности
- 01Review new business applications and make underwriting recommendations across Ramp's corporate card and bill pay products for EU and US applicants
- 02Analyze financial statements, bank data, bureau information, application details, and other risk signals to assess business health and repayment ability
- 03Recommend the right underwriting outcome, such as approval, decline, a lower limit, a request for more information, or another risk control
- 04Communicate with customers clearly and professionally when additional financial information or context is needed
- 05Maintain high-quality decisions while managing a queue with defined SLAs and quality expectations
- 06Build and improve underwriting documentation, workflows, and operating procedures as Ramp expands regional coverage
- 07Partner with Risk Strategy, Product, Engineering, Sales, and Customer Support to improve policies, tools, and customer experience
- 08Monitor underwriting outcomes and surface trends, gaps, or emerging risks that should inform policy or tooling changes
- 09Use AI and automation thoughtfully to improve speed, consistency, review quality, and operational leverage
Требования
- 014+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role
- 02Experience in corporate cards, small business cards, payments, invoices, lending, fintech, banking, or related financial services
- 03Strong financial analysis skills, including comfort reviewing financial statements, bank data, transaction activity, and other business health indicators
- 04Clear written and verbal communication, especially when explaining sensitive underwriting decisions or requesting customer information
- 05Strong investigative judgment and the ability to make defensible decisions with incomplete or conflicting data
- 06Comfort operating independently in a fast-moving environment, especially as one of the first regional underwriting team members
- 07Strong attention to detail and discipline around documentation, quality, and SLA management
- 08Demonstrated AI fluency, including experience building and implementing AI-driven workflows
- 09Experience underwriting businesses in European markets or working with EU-based financial services customers
- 10Experience building or improving underwriting SOPs, risk playbooks, dashboards, or operational workflows
Условия
- 01Work schedule supporting European customer needs with occasional weekend or holiday coverage
- 02Flexible PTO
- 03Unlimited AI token usage
- 04Centralized home-office equipment ordering
- 05Health and wellness stipend
- 06Budget for intra-office travel
- 07Weekly coffee stipend
- 08100% medical, dental & vision insurance coverage for you, with partial coverage for dependents (US)
- 09One Medical annual membership (US)
- 10401(k) with employer match (US)
- 11Fertility HRA up to $10,000 per year (US)
- 12Parental leave: up to 16 weeks at 100% pay (US)
- 13Pet insurance (US)
- 14In-office perks: lunch, snacks, drinks (US)
- 15Relocation support to NYC or SF (US)
- 16Group medical, dental, and vision coverage through Sun Life (Canada)
- 17Life, AD&D, and disability coverage (Canada)
- 18Fertility drug coverage up to $4,000 (Canada)