Risk Operations, Collections

About the role

This role requires excellent communication, negotiation, and decision-making skills. You will help execute and maintain operational initiatives that enable collecting from Ramp's delinquent and high-risk customers. This includes ensuring timely collections, balancing customer's ability to pay, reconciling customer payments, negotiating payment plans, and ensuring customer's financial well-being. You will also utilize and build tools to help manage your portfolio efficiently and ensure operational excellence by meeting team KPIs and SLAs.

Responsibilities

• 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

Requirements

• 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

Qualifications

• Nice-to-haves include experience in high growth startups, experience working in fintech, and experience in SMB or Commercial collections

Skills

• Strong negotiation skills
• Excellent organizational skills
• Attention to detail
• Ability to work in a fast-paced environment

Benefits

• 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
• 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 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay

Schedule

Full-time

Pay

Competitive compensation package