Senior Manager, Financial Risk

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs. 

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

THE WORK:

At Ripple, we are at the forefront of building the Internet of Value, creating a new global standard for how value moves seamlessly today. We are seeking a Senior Manager, Financial Risk, to act as a critical partner to our commercial leadership. This isn't a traditional, back-office risk role; you will be at the commercial heart of the business, shaping the strategies that allow us to scale our products and enter new markets prudently. You'll be one of the experts in the room, translating complex financial risks into clear, actionable business insights and strategies that directly enable and protect Ripple's growth!

WHAT YOU’LL DO:

• Be a Strategic Partner to the Business: You won't just assess risk; you'll co-pilot business growth across RLUSD, Payments, Lending, and Trading. You’ll work hand-in-hand with commercial leaders to structure innovative deals and develop new products, providing the expert risk guidance that makes ambitious goals achievable. Your primary objective is to find the path to "yes" while safeguarding the firm within its risk appetite.
• Build the Future of Risk Management: Design and implement sophisticated risk models, loss forecasting methodologies, reporting tools, and stress testing frameworks that are fit-for-purpose in the digital asset space. You will be instrumental in building the robust governance structures and reporting systems that keep senior leadership informed and drive strategic alignment.
• Communicate, Educate, and Influence: Become the go-to expert for financial risk across the organization. A key part of your role will be to distill highly technical topics into concise, easy-to-understand insights for a variety of partners, from business development to the C-suite. Your ability to communicate effectively will shape risk culture and drive informed decision-making across Ripple.
• Mitigate Counterparty Risk: You'll move beyond traditional financial statement analysis to develop a comprehensive view of counterparty health in the dynamic crypto ecosystem, setting intelligent credit limits and monitoring exposures that empower our partners to grow with us.

WHAT YOU'LL BRING: 

We're looking for a leader who is passionate about building at the intersection of traditional finance and the new world of crypto. You are commercially-minded, agile, and thrive in a fast-paced, collaborative environment.

• A proven track record (10+ years) of excellence in risk, financial markets, or trading, with a deep understanding of complex financial products.
• A commercial and strategic mindset. You have a history of working directly with business teams to find creative, risk-aware solutions to complex challenges.
• Exceptional communication skills. You are a master at simplifying complexity and can confidently and concisely articulate risk-related concepts to any audience, from engineers to executives.
• Expertise in financial statement analysis, credit underwriting, limit-setting, and building sophisticated risk models.
• A genuine passion for learning and a deep curiosity about the crypto ecosystem (direct crypto experience is a major plus).
• A "team-first" attitude, with a demonstrated ability to collaborate and build strong relationships with cross-functional partners.
• The agility to adapt to shifting priorities, manage multiple high-stakes projects, and perform exceptionally under pressure.
• Success in this role will pave the way for future leadership opportunities, either advancing within the global risk organization or moving into a leadership role within one of the business lines you partner with.

For positions that will be based in NY, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions. 
NY Annual Base Salary Range$168,000—$200,000 USD

WHO WE ARE:

Do Your Best Work

• The opportunity to build in a fast-paced start-up environment with experienced industry leaders
• A learning environment where you can dive deep into the latest technologies and make an impact.  A professional development budget to support other modes of learning.
• Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
• In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. 
• Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
• We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

• Competitive salary, bonuses, and equity
• Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
• Employee giving match
• Mobile phone stipend

Take Care of Yourself

• R&R days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy - work with your manager to take time off when you need it
• Industry-leading parental leave policies. Family planning benefits.
• Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees. 

Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.   Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.