# Senior Underwriter

**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** London, United Kingdom
**Role:** Other
**Salary:** £74k – £100k/yr
**Experience:** 4+ years
**Skills:** Underwriting, Credit Risk Management, Commercial Lending, Financial Analysis, Financial Statements, Bank Data, SQL, Python, Artificial Intelligence, Workflow Automation, Risk Playbooks, Sla Management
**Posted:** 2026-06-30

> Evaluates European and US business applications, analyzes financial and transactional data, and makes defensible credit and risk decisions for corporate card and bill pay products. Requires 4+ years of underwriting or related credit-risk experience, strong judgment, and financial analysis skills.

## Job Description

## Responsibilities
- Review new business applications and make underwriting recommendations across corporate card and bill pay products for EU and US applicants.
- Analyze financial statements, bank data, bureau information, application details, transaction activity, and other risk signals to assess business health and repayment ability.
- Recommend approval, decline, lower limits, requests for more information, or other risk controls.
- Communicate clearly and professionally with customers 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, operating procedures, risk playbooks, dashboards, and operational processes.
- Partner with Risk Strategy, Product, Engineering, Sales, Account Management, and Customer Support to improve policies, tools, and customer experience.
- Monitor underwriting outcomes and surface trends, gaps, and emerging risks to inform policy or tooling changes.
- Use AI and automation thoughtfully 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, 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.
- Ability to operate independently in a fast-moving environment.
- 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.
- Comfortable supporting European customer needs, with occasional weekend or holiday coverage depending on the operating model.

## Nice to Haves
- Experience at a high-growth startup or scaling operations team.
- SQL, Python, or analytics experience.
- 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.

## Compensation and Benefits
- Salary: £74,000–£100,000.
- Flexible PTO.
- Centralized home-office equipment ordering.
- Health and wellness stipend.
- Budget for intra-office travel.
- Weekly coffee stipend.
- United Kingdom benefits include private medical insurance through Freedom Elite, virtual GP and at-home care via eMed x Livi, workplace pension through Penfold with salary sacrifice option, and parental leave of up to 16 weeks at 100% pay for birthing and bonding leave or 8 weeks for bonding-only leave, with additional time available at reduced pay.

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