Job Overview
Location
New York, NY (HQ)
Job Type
Full-time
Category
Data Science
Date Posted
May 12, 2026
Full Job Description
đź“‹ Description
- • As a Senior Applied Scientist in Credit Risk at Ramp, you will design, build, and optimize machine learning models that power credit risk decisioning and portfolio management, directly influencing how businesses manage billions in spend.
- • You will own the full applied science lifecycle—from data exploration and feature engineering to model deployment, monitoring, and iteration—while collaborating with product, engineering, and business teams to translate ambiguous problems into scalable, production-ready solutions.
- • Ramp is building the smart infrastructure for finance teams, automating over $100B in annualized spend for 50,000+ companies; your work will help customers save an average of 5% and grow revenue 16% in their first year through smarter risk systems.
- • In this role, you will deepen your expertise in machine learning, causal inference, optimization, and economics while shipping high-impact models that operate reliably at scale and shape company-wide risk and product strategy.
🎯 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 with a PhD
- • Strong familiarity with mathematical fundamentals of advanced statistics, machine learning, optimization, and/or economics
- • Experience working with large datasets using Python and SQL
- • Strong Python experience with NumPy, pandas, scikit-learn, PyTorch, or similar libraries for exploratory data analysis, predictive modeling, and applied machine learning
- • Strong communication skills to bridge technical methodology to data-driven narratives that influence company decisions and strategy
- • Track record of shipping high-quality machine learning products in production and at scale
- • Ability to thrive in a fast-paced, startup environment focused on iterative technical solutions
🏖️ Benefits
- • Flexible PTO and unlimited AI token usage
- • 100% medical, dental & vision insurance coverage for employees (with partial dependent coverage) in the U.S.
- • Parental leave: up to 16 weeks (80 days) at 100% pay in the U.S., Canada, and U.K.
- • 401(k) with employer match (U.S.) or Group Retirement Plan with match (Canada)
- • Fertility HRA (up to $10,000/year in U.S.) or fertility drug coverage (up to $4,000 lifetime in Canada)
- • In-office perks including lunch, snacks, drinks, and centralized home-office equipment ordering
Skills & Technologies
About Ramp Business Corporation
Ramp Business Corporation provides corporate finance automation software that combines corporate cards, expense management, bill payments, accounting integrations and procurement controls into one platform. The company issues physical and virtual cards, captures receipts via OCR, enforces spend policies, and offers real-time analytics to reduce costs. Founded in 2019 and headquartered in New York City, it serves businesses from startups to large enterprises, focusing on replacing legacy expense systems with automated workflows. Ramp earns interchange revenue from card transactions and subscription fees from its software suite.
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