Senior Applied Scientist, Credit Risk

Ramp

Senior Applied Scientist optimizing credit risk systems for Ramp's financial infrastructure. Collaborating across teams, employing machine learning to improve credit risk decisions.

Posted 5/11/2026full-timeNew York City • New York • 🇺🇸 United StatesSenior💰 $165,800 - $228,000 per yearWebsite

Tech Stack

Tools & technologies

NumpyPandasPythonPyTorchScikit-LearnSQL

About the role

Key responsibilities & impact

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

What you’ll need

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
Experience working with large datasets using Python and SQL
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
Ability to thrive in a fast-paced, constantly improving, start-up environment that focuses on solving problems with iterative technical solutions

Benefits

Comp & perks

Flexible PTO
Unlimited AI token usage
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
One Medical annual membership
401(k), including employer match on contributions made while employed by Ramp
Fertility HRA (up to $10,000 per year)
Parental leave: up to 16 weeks (80 days) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
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)
Employee Assistance Program and virtual care through Lumino Health
Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

machine learningstatisticscausal inferenceoptimizationdata explorationfeature developmentmodel prototypingbacktestingvalidationpredictive modeling

Soft Skills

strong communicationproblem-solvingcollaborationdata-driven insightsadaptabilitystrategic thinkingdocumentationtestingproduction reliabilitystakeholder engagement