Senior Credit Underwriter | UK

The problems are high-stakes, data-dense, and unforgiving.

About the Role

Ramp is looking for a Senior Underwriter to join our Underwriting team in Europe. You’ll evaluate businesses applying to Ramp, make credit and risk decisions, and help improve how we assess customers across our products.

This is an early regional role supporting EU and US applicants. We’re looking for someone with strong financial judgment who can work independently, make clear decisions with incomplete information, and help us build scalable underwriting processes.

What You’ll Do

• Review applications for Ramp’s corporate card and bill pay products across the EU and US.

• Analyze financial statements, bank data, bureau information, and other risk signals to assess business health and repayment ability.

• Recommend the appropriate outcome, including approval, decline, a lower limit, or a request for additional information.

• Communicate clearly with customers when additional information or context is needed.

• Manage an underwriting queue while meeting quality and SLA expectations.

• Partner with teams across Risk, Product, Engineering, Sales, and Customer Support to improve policies, tools, and workflows.

• Identify emerging risks and use AI and automation to improve decision quality and efficiency.

What You Need

• 4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.

• Experience in corporate cards, payments, fintech, banking, or related financial services.

• Strong financial analysis skills and experience reviewing financial statements, bank data, and transaction activity.

• Sound judgment and the ability to make defensible decisions with incomplete or conflicting information.

• Clear written and verbal communication skills.

• Experience operating independently and building or improving underwriting processes in a fast-moving environment.

• Experience underwriting European businesses or working with EU-based financial services customers.

• Experience using AI or automation to improve workflows.

Nice to Have

• Experience at a high-growth startup or on a scaling operations team.

Work Schedule

This role will follow a schedule aligned with European customer needs, extending Ramp’s underwriting coverage beyond standard US business hours.

• 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

• Fertility HRA (up to $10,000 per year)

• Pet insurance

• In-office perks: lunch, snacks, drinks, and more

Canada

• Group medical, dental, and vision coverage through Sun Life

• Life, AD&D, and disability coverage

• Fertility drug coverage (up to $4,000 lifetime)

United Kingdom

• Private medical insurance through Freedom Elite

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