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Credit Risk Associate Jobs in Merrick, NY (NOW HIRING)

Ramp

Credit Risk Associate

New York, NY · On-site

$108K - $200K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Credit Risk Strategy owns these tradeoffs end to end. In this role, you will own or help build ... Associate: $140,000 to $192,000 * Senior Associate: $160,000 to $200,000 These ranges reflect base ...

New

Nomura International

Credit Risk Analyst/Associate

Manhattan, NY · On-site

$85K - $120K/yr

  • Medical

  • Retirement

  • PTO

Credit Risk Infrastructure Corporate Title: Analyst / Associate Department: Credit Risk Location: New York The pay range for this position at commencement of employment is expected to be between $85 ...

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All JobsCredit Risk Associate JobsCredit Risk Associate Jobs in Merrick, NY

Credit Risk Associate information

See Merrick, NY salary details

$51.2K

$111.9K

$187.4K

How much do credit risk associate jobs pay per year?

As of Aug 16, 2026, the average yearly pay for credit risk associate in Merrick, NY is $111,933.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,800.00 and $145,400.00 per year, depending on experience, location, and employer.

What skills and qualifications are needed to thrive as a credit risk associate?

To thrive as a Credit Risk Associate, you need strong analytical skills, attention to detail, and a solid understanding of financial statements, typically backed by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit modeling tools, and proficiency in Excel or similar data analysis programs are essential technical requirements. Strong communication, problem-solving abilities, and sound judgment help you effectively collaborate with stakeholders and make informed recommendations. These skills and qualities are crucial for accurately assessing creditworthiness and minimizing financial risk for the organization.

What does a credit risk associate do?

A Credit Risk Associate is responsible for assessing and managing the risk that a borrower may default on a loan or credit obligation. They analyze financial statements, credit reports, and market data to evaluate the creditworthiness of individuals or companies. Their work helps financial institutions make informed lending decisions, set appropriate credit limits, and comply with regulatory requirements. Credit Risk Associates also monitor existing credit exposures and may recommend strategies to mitigate potential losses.

What is the difference between Credit Risk Associate vs Credit Analyst?

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, relevant certifications often preferredBachelor's degree, certifications like CFA or credit-specific courses beneficial
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, investment firms, credit rating agencies
Employer & Industry UsageCommonly used in risk management teamsUsed in credit assessment and lending decisions
Comparison Search IntentUnderstanding risk roles in creditAnalyzing creditworthiness of clients

Both roles involve assessing credit-related information, but Credit Risk Associates focus on managing overall risk exposure, while Credit Analysts evaluate individual creditworthiness. The roles often overlap in skills and industry settings, making them closely related but distinct in scope.

How does a credit risk associate typically collaborate with other teams within a financial institution?

Credit Risk Associates work closely with various departments, including front-office lending teams, compliance, and portfolio management. They regularly communicate with relationship managers to gather client information, and partner with data analysts to assess credit models and risk metrics. This collaborative environment ensures that credit decisions are well-informed and compliant with internal policies. Being proactive and communicative is key, as the role often requires balancing risk assessment with business growth objectives.

What are the most commonly searched types of Credit Risk jobs in Merrick, NY?

The most popular types of Credit Risk jobs in Merrick, NY are:

What job categories do people searching Credit Risk Associate jobs in Merrick, NY look for?

The top searched job categories for Credit Risk Associate jobs in Merrick, NY are:

What cities near Merrick, NY are hiring for Credit Risk Associate jobs?

Cities near Merrick, NY with the most Credit Risk Associate job openings:

Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Merrick, NY as of July 2026, with employment types broken down into 70% Full Time, 28% Part Time, 1% Temporary, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $111,933 per year, or $53.8 per hour.

Credit Risk Associate

Ramp

New York, NY • On-site

$108K - $200K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 3 days ago

New

Job description

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.
As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies.
Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end.
In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.
AI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off.
We are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.
What You'll Do
  • Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
  • Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
  • Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
  • Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
  • Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
  • Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
  • Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
  • Partner with Product, Engineering, Design, to execute and build the risk management infrastructure

What You Need
  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
  • AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
  • Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
  • Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.

Nice-to-Haves
  • Previous experience building credit risk in similar Card or expense management products
  • Previous experience in high-growth startups or environments where the operating model changed quickly.
  • Previous experience with Operations teams

Compensation
We are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate). Level is determined during the interview process.
The expected base salary ranges are:
  • Analyst: $108,000 to $148,000
  • Associate: $140,000 to $192,000
  • Senior Associate: $160,000 to $200,000

These ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.
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)
Canada
  • 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

United Kingdom
  • 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

Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
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

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