Senior Applied Scientist, Credit Risk

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

We’re looking for a Senior Applied Scientist to help drive the future of credit applied science at Ramp. In this role, you will design, build, and optimize the models that power our credit risk systems, helping us make faster, smarter, and more scalable risk decisions for our customers.

You’ll work at the intersection of machine learning, statistics, economics, and product strategy. This role requires strong technical depth as well as close collaboration with business, product, data, and engineering partners. You will help identify high-impact opportunities, translate ambiguous business problems into rigorous modeling work, and ship models that operate reliably in production.

Applied scientists at Ramp focus on solving quantitative problems across credit, fraud, growth, and our core product by applying the right mix of machine learning, causal inference, structural modeling, and optimization.

What You'll Do

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

What You Need

Bachelor’s degree or above in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields.

5+ years of industry experience as an Applied Scientist, Machine Learning Engineer, Research Scientist, or equivalent; or 3+ years of industry experience with a PhD

Strong familiarity with the mathematical fundamentals of advanced statistics, machine learning, optimization, and/or economics

Experience working with large datasets using Python and SQL

Strong Python experience across exploratory data analysis, predictive modeling, and applied machine learning, using tools such as NumPy, pandas, scikit-learn, PyTorch, or similar libraries

Strong communication: the ability to bridge technical methodology to meaningful data narratives to drive company decisions and strategy

Track record of shipping high-quality machine learning products in production and at scale

Ability to thrive in a fast-paced, constantly improving, start-up environment that focuses on solving problems with iterative technical solutions

Nice-to-Haves

PhD in Math, Economics, Bioinformatics, Statistics, Engineering, Computer Science, or other quantitative fields

Strong perspective on data science engineering development cycle (data modeling, version control, documentation + testing, best practices for codebase development)

Familiarity with data orchestration platforms (Airflow, Dagster, Prefect)

Experience at a high-growth startup

Experience leveraging AI/LLMs for development or for internal workflows

Benefits available to all full-time Ramp employees (Global)

Flexible PTO

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 expense coverage to NYC or SF (if 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 Livi

Workplace pension through Penfold, with salary sacrifice option

Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

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.

Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.

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