ramp - Senior Risk Operations Specialist | Underwriting (UK)

• 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, especially when explaining sensitive underwriting decisions or requesting customer information. • Strong investigative judgment and the ability to make defensible decisions with incomplete or conflicting data. • Comfort operating independently in a fast-moving environment, especially as one of the first regional underwriting team members. • 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. • Experience at a high-growth startup or scaling operations team. • Experience working directly with Sales, Account Management, Customer Support, Product, Engineering, or Risk Strategy teams. • Experience supporting extended-hours, weekend, holiday, or regional coverage models. • Ramp serves customers across time zones, and this role is intended to expand our underwriting coverage outside standard US business hours. Candidates should be comfortable with a schedule that supports European customer needs and may include occasional weekend or holiday coverage depending on the final operating model. • BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) • 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 • One Medical annual membership • 401(k), including employer match on contributions made while employed by Ramp • Fertility HRA (up to $10,000 per year) • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay • Pet insurance • In-office perks: lunch, snacks, drinks, and more • Relocation support to NYC or SF (as needed) • Group medical, dental, and vision coverage through Sun Life • Life, AD&D, and disability coverage • Fertility drug coverage (up to $4,000 lifetime) • Group Retirement Plan with employer match (RRSP + DPSP) • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay • Employee Assistance Program and virtual care through Lumino Health • Private medical insurance through Freedom Elite • Virtual GP and at-home care via eMed x Livi • Workplace pension through Penfold, with salary sacrifice option • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay • REFERRAL INSTRUCTIONS • If you are being referred for the role, please contact that person to apply on your behalf. • 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 http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process. • Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice