Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
About the RoleWe're seeking a driven Associate, Capital Markets 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 DoSupport 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
Engage cross-functionally on key strategic initiatives including product expansion, financial partnerships, bank partnerships, and issuing partnerships
Evaluate economic outcomes and capital implications of new products and commercial agreements
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
Identify ways to automate and streamline processes to increase efficiency and scalability
Bachelor’s Degree in finance, economics, or related field
3+ years of experience working in a sell-side or buy-side ABS trading, securitization, asset financing-related, leveraged finance, or coverage banking (preferably FIG) 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
Familiarity with AI tools
Expertise with AI tools
Experience with capital-intensive fintech businesses
Flexible PTO
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 (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)
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
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
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
If you are being referred for the role, please contact that person to apply on your behalf.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
Skills Required
- Bachelor's Degree in finance, economics, or related field
- 3+ years of experience in sell-side or buy-side ABS trading, securitization, asset financing, leveraged finance, or coverage banking (preferably FIG)
- 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 written and verbal communication abilities
- Ability to thrive in small, collaborative, and ambiguous environments
- Ability to blend strategic and tactical skills
- Familiarity with AI tools
- Expertise with AI tools
- Experience with capital-intensive fintech businesses
Ramp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ramp and has not been reviewed or approved by Ramp.
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Fair & Transparent Compensation — Fair & Transparent Compensation: Pay is positioned as competitive or top-of-market in core technical roles, with strong base pay and total compensation ranges cited for engineers and product roles. Compensation is also framed as including meaningful equity alongside salary, making offers feel compelling versus many startup benchmarks.
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Healthcare Strength — Healthcare Strength: Healthcare coverage is described as comprehensive, often including medical, dental, and vision, with additional primary-care access via a One Medical membership. The package is portrayed as above-average on employer coverage for employees, increasing perceived value of the benefits bundle.
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Retirement Support — Retirement Support: A 401(k) with an employer match is consistently included as a core benefit. Immediate or meaningful matching is presented as a concrete financial benefit that goes beyond a basic plan offering.
Ramp Insights
What We Do
Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. More than 10,000 customers cut their expenses by 3.5% per year and closing their books 8x faster by switching to the Ramp platform. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow at an increasingly large scale, more than doubling its revenue run rate in the first half of 2022. Valued at $8.1 billion, 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. Ramp was named Fast Company’s most innovative finance company in 2022.
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