Lead Product Manager, On-chain Payments

As Lead Product Manager for On-chain Payments at Ripple, you'll shape the future of payments and financial applications on the XRP Ledger. You'll own product strategy and execution across stablecoin payments, on-chain liquidity and foreign exchange, and emerging forms of programmable commerce. Working at the intersection of blockchain infrastructure, financial markets, and real-world customer needs, you'll turn new capabilities into products that achieve meaningful adoption.

What you'll do

• Own product strategy and roadmap for key payments and on-chain financial capabilities on the XRP Ledger
• Identify and prioritise 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

What you bring

• 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 organisations
• Strong technical fluency and experience working closely with engineering teams on backend, infrastructure, API, or protocol-level products
• Deep customer orientation and the ability to translate complex financial workflows into clear product opportunities
• Strong systems thinking and judgement 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 decentralised 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

What we offer

• Annual base salary of $216,000-$270,000 USD (for California-based positions), plus competitive bonuses and equity
• Comprehensive benefits covering physical and mental healthcare, retirement, family forming, and family support
• Professional development budget
• Flexible in-office collaboration with 10+ days per month flexibility
• Rest and recharge days to rest and recharge
• Generous wellness reimbursement and weekly onsite and virtual programming
• Generous vacation policy, work with your manager to take time off when you need it
• Industry-leading parental leave and family planning benefits
• Employee giving match and mobile phone stipend
• Catered lunches, fully-stocked kitchens with premium snacks and beverages, team offsites, and team bonding activities

About Ripple

Ripple is building a world where value moves like information does today, improving the global financial system through crypto solutions for financial institutions, businesses, governments, and developers. The company operates in a fast-paced, startup environment with experienced industry leaders and offers a learning environment where employees can dive deep into the latest technologies and make an impact.