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Salary: USD 204,000 - 250,000 / annual
Ripple is seeking a Director, Credit Risk to lead and scale credit risk management across the organization as it expands globally. This is a strategic leadership role that combines deep credit expertise with commercial partnership and innovation in digital asset lending.
In this position, you will own credit risk across the Ripple group, setting the overarching framework for managing 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, balancing business growth with proactive, data-driven risk management.
Key responsibilities include:
- Evolving and improving Ripple's global credit risk framework (policies, risk appetites, underwriting standards, limit structures) to scale dynamically with business growth
- Partnering 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
- Designing and building risk parameters, automated monitoring, and collateral mechanisms for on-chain lending protocols and digital asset products in partnership with Product and Engineering
- Overseeing portfolio health, concentrations, covenants, and collateral in real time; developing sophisticated internal ratings, scorecards, and stress-testing models tailored to digital asset volatility, market dislocations, and liquidity risks
- Partnering with Legal and Compliance to negotiate credit documentation, master agreements, and security packages; serving as trusted advisor to senior leadership, Risk Committee, and Board
- Building, mentoring, and empowering a high-performing credit team as Ripple scales globally
- Driving tooling and automation initiatives to continuously elevate credit monitoring, reporting, and data quality
Ripple operates in a fast-paced startup environment with experienced industry leaders, offering professional development opportunities and a flexible hybrid model (10+ days per month in-office collaboration).
REQUIREMENTS:
- 10+ years of progressive credit risk, lending, or structured credit experience at a bank, prime broker, fintech, or digital asset firm
- 3+ years successfully building and managing teams
- Demonstrated success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions
- Exceptional financial modeling skills (Excel, Google Sheets, SQL/Python a plus)
- Deep expertise in counterparty credit analysis, margin/collateral frameworks, and financial statement review
- Strong understanding of digital assets, stablecoins, lending protocols, and crypto market dynamics, including unique volatility, custody, settlement, and liquidity risks
- Experience partnering with technical teams to design and build models; experience with Agentic AI solutions for underwriting and monitoring; familiarity with integrating third-party models and AI platforms in credit risk
- Highly self-directed with strong bias for action; ability to proactively identify emerging risks and propose pragmatic solutions
- Superior written and verbal communication skills; ability to articulate complex financial and risk concepts to executives, board members, and external partners
- Bachelor's degree in Finance, Economics, Accounting, or related field (MBA, CFA, or FRM strongly preferred)
- Team-first approach with humility, empathy, and ability to build strong cross-functional relationships
