Director, Credit Risk

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs. If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value. THE WORK: As our Risk team expands globally, we are seeking a strategic, analytical, and highly collaborative Director, Credit Risk. In this role, you will own credit risk across the Ripple group: setting the overarching framework for how we manage existing credit exposure while proactively structuring new, innovative lending deals (both on and off-chain) to drive Ripple’s credit business forward. You will act as a true commercial partner to Sales, Product, Trading, Legal, Finance, and Treasury every day, balancing business growth with proactive, data-driven risk management. WHAT YOU’LL DO: • Own & Scale Credit Strategy: Evolve and improve Ripple’s global credit risk framework (including policies, risk appetites, underwriting standards, and limit structures), ensuring they scale dynamically with business growth. • Drive Commercial Credit Structuring: Partner proactively with Sales, Product, Trading, and Financial Services teams to structure institutional credit solutions, enable new revenue streams, and facilitate deal execution within risk appetite. • Pioneer On-Chain Risk Management: Partner closely with Product and Engineering teams to design and build risk parameters, automated monitoring, and collateral mechanisms for on-chain lending protocols and digital asset products. • Portfolio Monitoring & Stress Testing: Oversee portfolio health, concentrations, covenants, and collateral in real time. Develop sophisticated internal ratings, scorecards, and stress-testing models tailored to digital asset volatility, market dislocations, and liquidity risks. • Cross-Functional Collaboration: Partner with Legal and Compliance to negotiate credit documentation, master agreements, and security packages while serving as a trusted advisor to senior leadership, the Risk Committee, and the Board. • Team Leadership & Development: Build, mentor, and empower a high-performing credit team as Ripple scales globally. • Data & Automation: Drive tooling and automation initiatives to continuously elevate credit monitoring, reporting, and data quality. WHAT YOU'LL BRING: • Proven Track Record & Accomplishments: 10+ years of progressive credit risk, lending, or structured credit experience at a bank, prime broker, fintech, or digital asset firm, including 3+ years successfully building and managing teams. • Commercial Mindset: Demonstrated success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions. • Low Ego & High Collaboration: A humble, team-first approach. You lead with empathy, actively seek out diverse perspectives, elevate those around you, and build strong cross-functional relationships. • Analytical & Technical Excellence: Exceptional financial modeling skills (Excel, Google Sheets, SQL/Python a plus) and deep expertise in counterparty credit analysis, margin/collateral frameworks, and financial statement review. • Crypto & Market Knowledge: Strong understanding of digital assets, stablecoins, lending protocols, and crypto market dynamics, including unique volatility, custody, settlement, and liquidity risks. • Technology Forward: Experience partnering with technical teams to design and build models, leverage Agentic AI solutions to enable underwriting and monitoring, and experience integrating third party models and AI platforms in the credit risk space • Proactive & Solution-Oriented: Highly self-directed with a strong bias for action. You proactively identify emerging risks, propose pragmatic solutions, and can effectively say "no" constructively when required. • Strong Communication: Superior written and verbal communication skills, with the ability to articulate complex financial and risk concepts clearly to executives, board members, and external partners. • Education & Credentials: Bachelor’s degree in Finance, Economics, Accounting, or related field (MBA, CFA, or FRM strongly preferred). For positions that will be based in NY, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions. NY Annual Base Salary Range $204,000—$250,000 USD WHO WE ARE: Do Your Best Work • The opportunity to build in a fast-paced start-up environment with experienced industry leaders • A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning. • Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team. • In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. • Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team • We come together for moments that matter which include team offsites, team bonding activities, happy hours and more! Take Control of Your Finances • Competitive salary, bonuses, and equity • Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support • Employee giving match • Mobile phone stipend Take Care of Yourself • R&R days so you can rest and recharge • Generous wellness reimbursement and weekly onsite & virtual programming • Generous vacation policy - work with your manager to take time off when you need it • Industry-leading parental leave policies. Family planning benefits. • Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events Benefits listed above are for full-time employees. Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance. Please find our California, UK/EU, Singapore, DIFC, ADGM, Australia, and Switzerland Applicant Privacy Notice for reference.