# Risk Operations, Collections

**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** New York, NY, San Francisco, CA
**Role:** Finance & Accounting
**Salary:** $80k – $155k/yr
**Experience:** 3+ years
**Skills:** Collections, Credit Risk Management, Customer Support, Negotiation, Analytical Skills, Problem-Solving, Communication Skills, Fintech, Smb Collections, Commercial Collections
**Posted:** 2026-04-09

> Execute collections from delinquent high-risk customers via phone/email, negotiate payment plans balancing risk and customer needs, and manage portfolio using tools to meet KPIs.

## Job Description

## What You'll Do
- Ensure timely collections from delinquent and high risk small business and commercial accounts through outbound and inbound communication across email and phone channels
- Balance customer’s ability to pay, reconcile customer payments, and Ramp’s risk appetite to negotiate payment plans to reduce credit losses, and ensure customer’s financial well being
- Utilize and build tools to help manage your portfolio efficiently
- Ensure operational excellence by meeting team KPIs and SLAs

## What You Need
- Minimum 3 years of experience in collections, recoveries or credit risk management operations via phone and written correspondence
- Strong background in customer support via phone and email
- Experience with collecting on commercial financial products like credit cards, loans, etc.
- Excellent written and verbal communication skills
- Investigative and critical thinking skills
- BA/BS or equivalent experience
- Proven analytical and problem-solving skills with a strong attention to detail
- Strong negotiation skills
- Excellent organizational skills and the ability to manage multiple priorities in a dynamic environment
- Have the ability to grow, develop and learn in a fast-paced, start-up environment

## Nice-to-Haves
- Experience in high growth startups
- Experience working in fintech
- Experience in SMB or Commercial collections

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