Associate, Capital Markets

We'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 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
• 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

What You Need

• 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

Nice-to-Haves

• Expertise with AI tools
• Experience with capital-intensive fintech businesses

Benefits available to all full-time Ramp employees (Global)

• Flexible PTO
• 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
• 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)