Senior Applied Scientist, Credit Risk

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $100B in annualized spend flows in and out of 50,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

Requirements

• Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp
• Own the full applied science development lifecycle, from data exploration and feature development to model prototyping, deployment, monitoring, and iteration
• Investigate and evaluate new data sources, including structured and unstructured data, and integrate them into credit models where appropriate
• Develop backtesting, validation, and monitoring frameworks to evaluate model performance and business impact
• Apply methods from machine learning, statistics, causal inference, optimization, and economics to solve core business problems
• Generate and communicate data-driven insights that influence product, risk, and company strategy
• Partner with product, business, engineering, and data stakeholders to translate ambiguous problems into clear objectives, scoped opportunities, and a practical applied science roadmap
• Contribute to best practices for model development, experimentation, documentation, testing, and production reliability

Benefits

• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• 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 (80 days) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation support to NYC or SF (as needed)
• 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 (80 days) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health
• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced pay

Originally posted on Himalayas