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Risk Operations Specialist | Collections at Ramp. Remote Location: New York. About Ramp. At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it.. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. But we’re not just building features powered by AI. We’re building a platform where agents can chase receipts, close books, flag risks, and surface insights. This enables teams to reclaim their time and reinvest in what matters.. More than 40,000 businesses, from family-owned farms to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $80 billion in purchases each year.. Ramp’s investors include Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, and Redpoint, among others, in addition to 100+ angel investors who have been founders or executives of leading companies.. Ramp has been named to Fast Company’s. Most Innovative Companies. list and LinkedIn’s. Top U.S. Startups. for more than 3 years, as well as the Forbes. Cloud 100. , CNBC. Disruptor 50. , and TIME Magazine’s 100. Most Influential Companies. .. About the Role . As an early member of Ramp's Collections Operations team, you will help execute and maintain operational initiatives that enable collecting from Ramp’s delinquent and high risk customers. This role requires excellent communications, negotiation, and decision-making skills. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.. 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. Partner with strategy and legal teams to develop collection strategies, payment plans and operating procedures to ensure efficient collections operations. Partner with product and engineering teams to build and scale Ramp’s operational platform and tooling for the collections program. 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. Strong background in customer support via phone and email. Experience with financial products like credit cards, loans, mortgages, etc.. Excellent written and verbal communication skills. Investigative and critical thinking skills. BA/BS from an accredited university. Proven analytical and problem-solving skills with a strong attention to detail. Strong negotiation skills. Have the ability to grow, develop and learn in a fast-paced, start-up environment. Nice-to-Haves. Experience in high growth startups. Experience building complex financial products. Experience in SMB or Commercial collections. Benefits (for U.S.-based full-time employees). 100% medical, dental & vision insurance coverage for you. Partially covered for your dependents. One Medical annual membership. 401k (including employer match on contributions made while employed by Ramp). Flexible PTO. Fertility HRA (up to $5,000 per year). WFH stipend to support your home office needs. Wellness stipend. Parental Leave. Relocation support to NYC or SF (as needed). Pet insurance. Referral Instructions. If you are being referred for the role, please contact that person to apply on your behalf.. Other notices. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.. Ramp Applicant Privacy Notice