Risk Operations, Collections

ABOUT RAMP 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 As a Collections Operations Specialist at Ramp, 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 - 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 BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) • Flexible PTO • Unlimited AI token usage • Centralized home-office equipment ordering • Health and wellness stipend • Budget for intra-office travel • Weekly coffee stipend UNITED STATES • 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents • One Medical annual membership • 401(k), including employer match on contributions made while employed by Ramp • Fertility HRA (up to $10,000 per year) • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay • Pet insurance • In-office perks: lunch, snacks, drinks, and more • Relocation support to NYC or SF (as needed) CANADA • Group medical, dental, and vision coverage through Sun Life • Life, AD&D, and disability coverage • Fertility drug coverage (up to $4,000 lifetime) • Group Retirement Plan with employer match (RRSP + DPSP) • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay • Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM • Private medical insurance through Freedom Elite • Virtual GP and at-home care via eMed x