Ramp
Senior Underwriter | UK
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
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.
About the Role
Ramp is looking for a Risk Operations Specialist to join our Underwriting Team in Europe. You’ll help evaluate businesses applying to Ramp, make credit and risk decisions, and improve the systems we use to assess customers across our products.
This is an early regional role. You’ll work with teammates across Risk Operations, Credit Strategy, Product, Engineering, Sales, and Customer Support while helping define what great underwriting coverage looks like, supporting EU and US applicants. The work requires sound judgment, comfort with financial data, and the ability to make clear decisions when information is incomplete. You’ll thoughtfully apply AI and automation to help the team move faster, improve consistency, strengthen review quality, and scale operations.
The best candidates bring:
- Underwriting or credit risk experience,
- strong written judgment, and
- a high ownership bar.
You should be comfortable working independently, documenting reasoning, and improving processes as you identify gaps.
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,
- Lower limit requests,
- Requests for additional information, or other risk controls.
- Communicate with customers clearly and professionally, when sensitive financial details or context is required.
- Maintain high-quality decisions while managing a queue with defined SLAs (Service Level Agreements) and quality expectations.
- Build and improve underwriting documentation, workflows, and operational procedures as Ramp expands regional coverage.
- Partner with Risk Strategy, Product, Engineering, Sales, and Customer Support to improve policies, tools, and customer experiences.
- Monitor underwriting outcomes and surface trends, gaps, or emerging risks that influence policy or operational changes.
- Use AI and automation strategically to accelerate speed, improve consistency, review quality, and operational efficiency.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
What You Need
✅ 4+ years of experience in:
- Underwriting,
- credit risk management,
- Commercial lending,
- Credit operations, or related risk roles.
✅ Experience in:
- Corporate cards,
- Small business cards,
- Payments,
- Invoices,
- Lending, fintech, or banking, or related financial services.
✅ Strong financial analysis skills, including:
- Comfort reviewing financial statements, bank data, and transaction activity.
- Assessing business health indicators.
✅ Clear written and verbal communication, especially when:
- Explaining sensitive underwriting decisions.
- Requesting additional customer information.
✅ Strong analytical judgment with the ability to:
- Make defensible decisions when faced with incomplete or conflicting data.
✅ Comfort operating independently in a fast-paced, high-growth environment, as one of the first regional underwriting team members.
✅ Attention to detail and heightened accountability for:
-
Documentation quality,
-
SLAs compliance,
-
Consistency.
-
Demonstrated AI fluency, including experience building or implementing AI-driven workflows.
✅ Experience underwriting businesses in European markets or working within EU-based financial services.
✅ Experience building or improving:
- Underwriting SOPs (Standard Operating Procedures),
- Risk playbooks,
- Dashboards,
- Operational workflows.
Nice to Haves
🔹 Experience at a high-growth startup or scaling operations team. 🔹 Proficiency in SQL, Python, or analytics. 🔹 Experience working directly with Sales, Account Management, Customer Support, Product, Engineering, or Risk Strategy teams. 🔹 Experience supporting extended-hours, weekend, or holiday operations, regional payroll needs.
Work Schedule Requirements
Ramp serves global customers across time zones, and this role is intended to expand underwriting coverage outside standardised US business hours.
Candidates should be comfortable with a schedule that supports European customer demand, potentially including:
- Overlapping weekend,
- Holiday coverage,
- Flexible time models depending on final operating strategy.
Benefits
All full-time Ramp employees (Global) receive:
| Basic | ✔ Flexible PTO |
|---|---|
| ✔ Unlimited AI token usage | |
| ✔ Centralised home-office equipment access | |
| ✔ Health/wellness stipend (voucher card) | |
| ✔ Budget for intra-office travel | |
| ✔ Weekly coffee stipend | |
| --------------------------- | --------------------------------------------- |
| United States (LVP) | ✔ 100% medical, dental & vision coverage, with partial benefit eligible dependents |
| ✔ One Medical annual membership | |
| --------------------------- | ✔ 401(k) plan + employer match (on in-service contributions) |
| ✔ Fertility Health Reimbursement Account (HRA up to USD 10,000/year) | |
| ✔ Parental leave: 16 weeks (birthing + bonding) / 8 weeks (bonding only) at 100% pay** | |
| --------------------------- | ✔ Pet insurance |
| --------------------------- | ✔In-office perks: Free lunch, snacks, drinks |
| --------------------------- | ✔ Relocation support to NYC or SF, as needed. |
Get help with your application
Your very own career expert that helps elevate your application to the next level.
|Canada | ✔ Group medical, dental, and vision coverage (provided by Sun Life)| |---------------------------| Life, AD&D, and disability insurance | |---------------------------| ✔ Fertility medication reimbursement (CAD 4,000 lifetime) | |---------------------------| ✔ Group Retirement Plan, with employer contributions matching funds in RRSP+ response savings plan (DPSP) | |---------------------------| ✔ Parental leave: up to 16 weeks support* (birthing + bonding) or 8 weeks bonding only at 100% pay*; additional time available at reduced rate| |---------------------------| Employee Assistance Programme (EAP) via Lumino Health + psychiatric first-aid|
|United Kingdom | ✔ Private medical insurance via Freedom Elite | |---------------------------| Reactive GP & Livi at-home visits integrated with eMed platform | |---------------------------| ✔ Salary sacrifice pension scheme (auto-enrolment) provided by Penfold | |---------------------------| ✔ Parental leave: 16 week support (cost/introducing birth/family reconstitution) or 8 weeks bonding alone at full pay; more leave subject to individual handling** |
Referral Notes:
If you are referring a candidate for this role, please contact the relevant person in advance to apply on their behalf.
Other Notices
In compliance with San Francisco Fair Chance Ordinance, we consider for employment applicants with arrest or criminal record backgrounds in a fair evaluation manner.
Beware of recruiting scams:
- ✅ **Ramp will only contact you via official @Ramp.com email addresses.
- ✅ We will never request sensitive personal details (passports, photos, credit checks) or monetary fees during the hiring process.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills
Location