Senior Risk Operations Specialist | Underwriting (UK)
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Overview
Ramp is seeking a Senior Risk Operations Specialist to evaluate businesses applying for credit, make risk decisions, and enhance underwriting systems. Join a team that shapes how companies manage billions. 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.
What you'll do
- •Review new business applications and make underwriting recommendations across 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 the right underwriting outcome, such as approval, decline, a lower limit, a request for more information, or another risk control.
- •Communicate with customers clearly and professionally when additional financial information or context is needed.
- •Maintain high-quality decisions while managing a queue with defined SLAs and quality expectations.
- •Build and improve underwriting documentation, workflows, and operating procedures as Ramp expands regional coverage.
- •Partner with Risk Strategy, Product, Engineering, Sales, and Customer Support to improve policies, tools, and customer experience.
- •Monitor underwriting outcomes and surface trends, gaps, or emerging risks that should inform policy or tooling changes.
- •Use AI and automation thoughtfully to improve speed, consistency, review quality, and operational leverage.
Conditions
- •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)
- •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)