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 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

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 organizations
• 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 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

What we offer

• Annual base salary of $216,000-$270,000 USD for positions based in California (actual salaries vary based on experience and qualifications; this range excludes equity and additional compensation such as bonuses or commissions)
• Competitive bonuses and equity
• Comprehensive benefits covering physical and mental healthcare, retirement, family forming, and family support
• Employee giving match and mobile phone stipend
• Rest and recharge days to rest and recharge
• Generous wellness reimbursement and weekly onsite and virtual programming
• Generous vacation policy with manager flexibility
• Industry-leading parental leave policies and family planning benefits
• Catered lunches, fully-stocked kitchens with premium snacks and beverages, and team events
• In-office collaboration flexibility: managers and teams decide which 10+ days per month to come in
• Professional development budget to support learning
• Bi-weekly all-company meetings with leadership
• Team offsites and bonding activities

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 improves the global financial system and creates greater economic fairness and opportunity worldwide.