Associate | Capital Markets

About Ramp

Ramp is the ultimate platform for modern finance teams. Combining corporate cards with expense management, bill payments, vendor management, accounting automation and more, Ramp's all-in-one solution is designed to save businesses time and money, and free finance teams to do the best work of their lives. Our mission is to help build healthier businesses, and it's working: over 15,000 businesses on Ramp to save an average 5% and close their books 8x faster.

Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables tens of billions of dollars in purchases each year.

Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies-Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One-as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. In 2023, Ramp was named Fast Company's #1 Most Innovative Company in North America, LinkedIn's #1 Top Startup in the U.S., a CNBC Disruptor, and a TIME100 Most Influential Company.

About the role

We're seeking a driven Capital Markets Associate to join Ramp's growing Finance and Capital Markets team. This role offers a unique opportunity to help build and scale a best-in-class Capital Markets function while making significant contributions to Ramp's growth.

As a key member of our team, you'll play a pivotal role in optimizing and executing Ramp's funding strategies while leveraging your expertise to help manage our capital partner relationships. You'll also serve as a critical cross-functional partner, collaborating closely with teams across accounting, data, engineering, finance, product, treasury, and risk.

This position presents a rare opportunity for professional growth and development, regular exposure to Ramp's leadership team, and the chance to make a true impact at a fast-paced start-up.

What you'll do

• Support the Capital Markets Team in live transactions with modeling, structuring, internal memos, lender communication, document review, and document execution
• Evaluate the impact of various funding strategies under the context of Ramp's broader corporate strategy
• Manage the day-to-day aspects of Ramp's warehouse facilities and ABS facilities
• Own the suite of Capital Markets models
• Ensure the accuracy of the Capital Markets data tapes and assist with rearchitecting them for product changes
• Be the point person for field exams, audit requests, ratings agencies, and lender comms
• Identify ways to automate and streamline processes to increase efficiency and scalability
• Partner cross-functionally throughout the organization to anticipate how various initiatives and outcomes may impact Capital Markets and offer your insights as a finance professional

What you'll need

• A minimum of 4 years of experience working in sell-side or buy-side in a securitization or asset financing related role
• Excellent financial modeling and quantitative data analytics skills
• Comfortable with large data sets
• Extremely detail-oriented with a high regard for precision
• Relationship-minded with excellent communication abilities, both written and verbal
• Ability to thrive in small, collaborative, and ambiguous environments
• Ability to blend strategic and tactical skills
• Bachelor's Degree in finance, economics, or related field

Nice to have

• SQL/Python skills
• Experience with capital-intensive fintech businesses
• Experience building Looker dashboards

Benefits (for U.S.-based full-time employees)

• 100% medical, dental & vision insurance coverage for you
  • Partially covered for your dependents
  • One Medical annual membership
• 401k (including employer match on contributions made while employed by Ramp)
• Flexible PTO
• Fertility HRA (up to $5,000 per year)
• WFH stipend to support your home office needs
• Wellness stipend
• Parental Leave
• Relocation support
• Pet insurance