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 $100B in annualized spend flows in and out of 50,000+ 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 (80 days) 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 (80 days) 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 (80 days) 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.

Ramp Applicant Privacy Notice

Risk Operations, Collections