# Ryan Foss

> Capital Markets and Treasury at Ramp

Location: New York, New York, United States
Profile: https://flows.cv/ryanfoss

## Work Experience
### Head of Capital Markets, Treasury and Financial Systems @ Ramp
Jan 2024 – Present | New York, New York, United States

### CFO @ Tenet
Jan 2023 – Jan 2024 | New York, New York, United States
seed stage auto finance platform

### VP, Global Head of Capital Markets @ Affirm
Jan 2022 – Jan 2023 | New York, New York, United States
-Led Affirm's capital markets business, responsible for defining and executing the funding strategy for the company's lending products as well as corporate liquidity management.
-Sourced, structured, and executed >$8Bn of committed capital across corporate debt, securitization/ABS, warehouse facilities and off balance-sheet structures for Affirm's BNPL lending business
-Built and launched Affirm's ABS business, scaling the program to over $3bn of issuance in the first two years.
-Strategic partner to the management team, driving alignment and prioritization between capital and the broader finance, commercial, legal, credit/risk organizations

### Senior Director, Capital Markets @ Affirm
Jan 2020 – Jan 2022 | New York City Metropolitan Area

### Director, Capital Markets @ Affirm
Jan 2019 – Jan 2020 | Greater New York City Area

### Director, Global Capital Markets @ Funding Circle US
Jan 2019 – Jan 2019 | Greater New York City Area

### SVP, Co-Head of Capital Markets @ Laurel Road
Jan 2016 – Jan 2018 | Greater New York City Area
*Senior leadership team member leading product, pricing, credit, funding & liquidity, market risk and transaction execution for the firm’s student lending  and residential mortgage businesses
*Structured, negotiated and executed the firm's first AAA rated ABS deal and $1.5bn in total term ABS transactions 
*Cultivated a broad base of capital partners including: top asset managers, insurance companies, investment banks, and depository institutions. 
*Lead, developed and shipped the first-ever excess servicing strip securitization off of a non-mortgage asset.

### Desk Head @ Compass Analytics, LLC
Jan 2015 – Jan 2016 | Greater New York City Area

### Vice President - Securitized Products @ RBS
Jan 2013 – Jan 2014 | Greater New York City Area

### Trader - Agency RMBS @ Gleacher Natwest Inc
Jan 2012 – Jan 2013 | Greater New York City Area

### Trader - Agency RMBS @ Credit Suisse
Jan 2010 – Jan 2012 | Greater New York City Area

### Research Associate - Fixed Income @ Fidelity Investments
Jan 2008 – Jan 2009 | Greater Boston Area

### Trader - Agency RMBS @ J.P. Morgan
Jan 2006 – Jan 2008 | Greater New York City Area


## Education
### Bachelor's Degree in Chemistry, Finance
Princeton University


## Contact & Social
- LinkedIn: https://linkedin.com/in/rjfoss

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Source: https://flows.cv/ryanfoss
JSON Resume: https://flows.cv/ryanfoss/resume.json
Last updated: 2026-04-07