# Credit Risk Associate

**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** New York, NY
**Role:** Data Analytics
**Salary:** $108k – $200k/yr
**Experience:** 2+ years
**Skills:** SQL, Python, credit risk management, Quantitative Analysis, artificial intelligence, Data Analysis, credit limits, collections, model prototyping, policy monitoring, Data Quality, risk modeling, Dashboarding, Workflow Automation, Compliance
**Posted:** 2026-08-12

> The Credit Risk Associate develops and optimizes credit strategies across limits, payment speed, collections, and decisioning workflows. The role requires credit risk or quantitative strategy experience, SQL or Python proficiency, demonstrated AI fluency, and strong cross-functional judgment.

## Job Description

## Responsibilities
- Own credit risk strategy across areas such as model prototyping, credit limits, payment speed, and collections.
- Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
- Build practical tools, apps, dashboards, agents, notebooks, QA loops, monitors, and decisioning processes when workflows do not yet exist.
- Use AI tools for research, analysis, coding, synthesis, writing, verification, and follow-through.
- Build AI into credit risk workflows, including feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
- Investigate data sources and model features; evaluate signal quality, coverage, failure modes, and effects on credit decisions.
- Make ambiguous credit risk decisions while balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
- Partner with Product, Engineering, Design, Data Science, Risk Operations, Finance, Customer Experience, and Compliance to execute and build risk-management infrastructure.

## Requirements
- Minimum **2 years of experience** in credit risk management or a quantitative strategy role.
- Minimum **2 years of experience** using SQL or Python for data retrieval and manipulation.
- Demonstrable AI fluency, including the ability to explain tools used, show an artifact, describe a recent failure mode, and explain verification performed before using the output in a credit risk decision.
- Demonstrated ownership in ambiguous situations: define the question, obtain data, make decisions, communicate tradeoffs, and drive follow-through.
- Strong communication skills, with the ability to turn complex credit risk decisions into clear narratives for leadership and cross-functional partners.

## Nice-to-Haves
- Experience building credit risk systems for card or expense-management products.
- Experience in high-growth startups or rapidly changing operating environments.
- Experience working with Operations teams.

## Compensation and Benefits
- ATS salary range: **$108,000–$200,000 annual base salary**.
- Expected New York City base salary ranges by level:
  - Analyst: $108,000–$148,000
  - Associate: $140,000–$192,000
  - Senior Associate: $160,000–$200,000
- Equity and benefits are additional.
- Benefits include flexible PTO, home-office equipment, health and wellness stipends, medical/dental/vision coverage, One Medical membership, 401(k) with employer match, parental leave, pet insurance, and in-office perks.
- Relocation support to NYC or SF may be available.

## Similar roles

- [Insights Analyst](https://hotfix.jobs/jobs/98cd3d83-c6d1-4859-998a-1df07b75ef7a) - Pave - San Francisco, CA - $115k – $174k/yr
- [AI Search Analyst](https://hotfix.jobs/jobs/2bb21e54-ff36-4ea7-b456-29151be16dc7) - Scrunch - New York, NY - $115k – $145k/yr
- [Data Analyst - Global Growth Luxury Strategy](https://hotfix.jobs/jobs/501a809a-d3e9-433d-9908-2c5d6b1849b0) - Lyft - San Francisco, CA - $99k – $124k/yr
- [Data Analyst, Product](https://hotfix.jobs/jobs/70ad680b-26ca-4b15-9643-dab5b7679cb5) - 1Password - Remote - $95k – $133k/yr
- [Project Controls Analyst](https://hotfix.jobs/jobs/0ce947bb-eea2-42e9-b7aa-d4fa9c60854b) - Crusoe - Denver, CO - $94k – $104k/yr

**Apply:** https://hotfix.jobs/jobs/913ed11b-1191-4c46-94e6-480c9b2c5303
**Canonical:** https://hotfix.jobs/jobs/913ed11b-1191-4c46-94e6-480c9b2c5303