# Marcelo Martinez > Risk Operations Manager at Ramp Location: New York, New York, United States Profile: https://flows.cv/marcelomartinez With 13 years of experience in credit risk and lending, I am a highly accomplished professional specializing in the merchant cash advance industry, unsecured lending, and corporate credit card space. I possess a demonstrated track record of success in underwriting, risk assessment, and the development and implementation of credit policies that drive profitability while effectively mitigating risk. Throughout my career, I have excelled in scaling up teams and thriving in start-up environments, allowing me to quickly adapt to changing business needs and build and lead high-performing teams. My expertise lies in leveraging data-driven insights to make informed credit decisions and optimize risk management processes. ## Work Experience ### Risk Operations Manager @ Ramp Jan 2024 – Present | New York City Metropolitan Area Responsible for all mid-market and enterprise businesses at Ramp. ### Risk Operations Lead @ Ramp Jan 2022 – Jan 2024 ### Risk Operations @ Ramp Jan 2020 – Jan 2022 | New York, United States ### Senior Underwriter, Credit @ Funding Circle US Jan 2014 – Jan 2020 | Greater New York City Area Oversee the due diligence process (cash flow, financial statement and bank statement analysis, etc) for our lending facility. • Build and implement scalable policies and procedures, example: tax lien verification, third party exposure. • Manage junior underwriters to ensure they are making lending decisions according to our credit policies. • Partner with Product and Engineering teams to continuously improve customer experience. • Influence the development of risk models and review procedures providing solutions that directly impact customer experience. • Create reports to track and communicate credit related metrics, such as turnaround times. • Provide Support to Sales and Account Management in regards to prohibited business models, further documentation needed, or communicating decline decisions to customers. ### Underwriter @ Kapitus Jan 2011 – Jan 2014 • Manage financing offers exceeding $75,000 up to $500,000 dollars. • Minimize the credit risk of our multimillion dollars portfolio by identifying liquidity, solvency and leverage issues through the analysis of financial statements (balance sheet and P&L). • Examine collateral coverage, and loan covenants to develop a well informed and forward looking view of small business owners’ financial risks. • Conduct conference calls with business owners to negotiate offers and to assess the human capital behind the business. ### Junior Accountant @ Gansevoort Hotel Group Jan 2010 – Jan 2011 • Ensure the liquidity of several revenue outlets through the comprehensive management of a $40,000 bank. • Maintain and review general ledger accounts for the hotel. • Solve all credit card disputes for the hotel and restaurant. • Reconcile money in a detailed manner for accurate revenue recognition, as much as $30,000 per day. • Supervise the hotel’s accounting operations to ensure accurate, timely and consistent reporting. ### Assistant Controller @ André Balazs Properties Jan 2010 – Jan 2010 | Shelter Island, NY • Provide liquidity to our hotel and restaurant through the comprehensive management of a $30,000 bank. • Execute payroll for 130 employees. • Ensure the proper recognition of revenue and expenses by assisting the Controller in the analysis of the P&L and Balance sheet. • Code, process and post invoices on Dataplus. • Create daily accounting reports and communicate discrepancies to the controller. • Conduct monthly inventory counts for the F&B department. • Assist our HR department with the verification of our employees’ information. ### Shift Supervisor @ Starbucks Coffee Company Jan 2006 – Jan 2010 • Execute stores operations during scheduled shifts. • Follow all cash management and cash register policies. • Ensure shift team follows proper cash management practices. • Customer service representative. • Provide clear, timely, specific and respectful coaching, and feedback to new employees. • Provide store manager with feedback about employees’ performance. ## Education ### Bachelor of Business Administration (BBA) in Finance, Economics Baruch College ### Associates in Business Administration Nassau Community College ## Contact & Social - LinkedIn: https://linkedin.com/in/martinezmarcelo1 --- Source: https://flows.cv/marcelomartinez JSON Resume: https://flows.cv/marcelomartinez/resume.json Last updated: 2026-04-07