# Senior Credit Underwriter \| UK

**Company**: Ramp
**Location**: London
**Work arrangement**: onsite
**Experience**: senior
**Job type**: full-time
**Salary**: £74K - £100K
**Category**: Finance
**Industry**: Finance

**Apply**: https://jobs.ashbyhq.com/ramp/397d2098-59c4-4987-9ca9-ec019c37000e?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_7dcd13d3-a84

## Description

## Compensation

£74K – £100K • Offers Equity The final compensation will depend on the location and level at which you are hired.

## 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.

## Responsibilities

- 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.

## Requirements

- 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.

## Benefits

- Flexible PTO

- Centralized home-office equipment ordering

- Health and wellness stipend

- Budget for intra-office travel

- Weekly coffee stipend

- Additional benefits vary by location:

- United States: 100% medical, dental & vision insurance coverage, 401(k), fertility HRA, parental leave, pet insurance, etc.

- Canada: Group medical, dental, and vision coverage, life, AD&D, and disability coverage, fertility drug coverage, group retirement plan, etc.

- United Kingdom: Private medical insurance, virtual GP and at-home care, workplace pension, parental leave, etc.

## Skills

### Required
- underwriting
- credit risk management
- financial analysis
- AI
- automation

### Nice to have
- high-growth startup
- scaling operations team

---

Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/ramp/397d2098-59c4-4987-9ca9-ec019c37000e?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)