Director, Credit Risk

As Director, Credit Risk at Ripple, you will own credit risk across the Ripple group, setting the overarching framework for how the company manages 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.

What you'll do

• Own and scale Ripple's global credit risk framework, including policies, risk appetites, underwriting standards, and limit structures, ensuring they scale dynamically with business growth
• 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
• 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
• Oversee 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
• 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
• Build, mentor, and empower a high-performing credit team as Ripple scales globally
• Drive tooling and automation initiatives to continuously elevate credit monitoring, reporting, and data quality

What you bring

• 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
• Demonstrated success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions
• A humble, team-first approach with strong cross-functional collaboration skills and the ability to lead with empathy
• Exceptional financial modeling skills (Excel, Google Sheets) and deep expertise in counterparty credit analysis, margin and 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, leverage Agentic AI solutions to enable underwriting and monitoring, and experience integrating third party models and AI platforms in the credit risk space
• Highly self-directed with a strong bias for action, proactively identifying emerging risks, proposing pragmatic solutions, and effectively communicating complex financial and risk concepts to executives, board members, and external partners
• Bachelor's degree in Finance, Economics, Accounting, or related field

Nice to have

• MBA, CFA, or FRM credential
• SQL and Python skills

What we offer

• Competitive salary, bonuses, and equity
• Professional development budget to support learning
• Flexible in-office collaboration (10+ days per month in-office, with manager and team flexibility)
• Bi-weekly all-company meetings with leadership
• Team offsites, bonding activities, and social events
• Competitive benefits covering physical and mental healthcare, retirement, and family forming and support
• Employee giving match
• Mobile phone stipend
• R&R days to rest and recharge
• Generous wellness reimbursement and weekly onsite and virtual wellness programming
• Generous vacation policy to be worked out with your manager
• Industry-leading parental leave policies and family planning benefits
• Catered lunches, fully-stocked kitchens with premium snacks and beverages

About Ripple

Ripple is building a world where value moves like information does today through crypto solutions for financial institutions, businesses, governments, and developers. The company is improving the global financial system and creating greater economic fairness and opportunity for more people around the world.