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Lead Product Manager, On-chain Payments

Ripple - San Francisco, CA, United States - Hybrid - posted 2026-09-16

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Salary: USD 216,000 - 270,000 / annual

Ripple is seeking a senior product leader to shape the future of payments and financial applications on the XRP Ledger. You will own product strategy and execution across stablecoin payments, on-chain liquidity and foreign exchange, and emerging forms of programmable commerce. This is a highly cross-functional role working at the intersection of blockchain infrastructure, financial markets, and real-world customer needs. Key responsibilities include: - Own product strategy and roadmap for key payments and on-chain financial capabilities on the XRP Ledger - Identify and prioritize opportunities where blockchain infrastructure can meaningfully improve how value is exchanged, converted, and settled - Develop product-market fit hypotheses and validate them through customer discovery, market research, product data, and real-world usage - Partner closely with Engineering to translate market and customer needs into scalable product and protocol capabilities - Work with financial institutions, payment providers, liquidity providers, developers, and other ecosystem participants to understand workflows and adoption barriers - Lead complex cross-functional initiatives spanning Product, Engineering, Business Development, and external partners - Define the capabilities and ecosystem requirements needed to deliver compelling end-to-end customer experiences - Navigate technical, commercial, and market tradeoffs to drive clear decisions and maintain momentum - Represent the product strategy internally and externally with customers, partners, and the broader ecosystem Ripple offers a hybrid work environment with flexibility (10+ days per month in-office), competitive salary and equity, comprehensive benefits including healthcare, retirement, and family support, professional development budget, and a fast-paced startup environment with experienced industry leaders. REQUIREMENTS: - Significant product management experience building payments, fintech, financial infrastructure, trading, or other technically complex products - Proven ability to define product strategy and lead ambiguous, high-impact initiatives from discovery through launch and adoption - Strong cross-functional leadership skills with a track record of driving alignment across technical and commercial organizations - Strong technical fluency and experience working closely with engineering teams on backend, infrastructure, API, or protocol-level products - Deep customer orientation and ability to translate complex financial workflows into clear product opportunities - Strong systems thinking and judgment across product, technology, market dynamics, and go-to-market considerations - Excellent written and verbal communication, particularly when simplifying complex problems and driving decisions across diverse stakeholders - Comfort operating in a fast-moving environment where the market, technology, and customer needs are still evolving NICE TO HAVE: - Experience in payments, FX, liquidity, settlement, treasury, or financial market infrastructure - Experience building crypto, blockchain, or stablecoin products - Familiarity with wallets, digital assets, on-chain transactions, and decentralized or electronic trading systems - Experience with developer platforms, open-source ecosystems, or protocol-level product development - Experience launching products that depend on adoption across multiple ecosystem participants

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