Associate, Capital Markets

About Ramp
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 Role
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,