Senior Applied Scientist, Credit Risk

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.

Responsibilities

• 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

Requirements

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

Qualifications

• 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

Skills

• Strong technical depth as well as close collaboration with business, product, data, and engineering partners
• Ability to solve quantitative problems across credit, fraud, growth, and our core product by applying the right mix of machine learning, causal inference, structural modeling, and optimization

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