Director of Credit Risk
Ripple provides payments, custody and stablecoin solutions that help financial institutions integrate blockchain and digital assets.
Funding history
Investors
Projects
About Ripple
Ripple helps financial institutions transform global payments by providing blockchain-powered infrastructure for cross-border payments, digital asset custody, and stablecoin solutions. With it, users can enable instant settlements, reduce costs, and access new markets. The company was originally founded as OpenCoin in 2012 and rebranded to Ripple in 2015.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will own and scale the global credit-risk framework, including policies, risk appetite, underwriting standards, and limits. You will partner with commercial and technical stakeholders to structure institutional lending, develop on-chain risk controls, monitor portfolios, conduct stress tests, negotiate credit documentation, build a credit team, and improve monitoring and reporting automation.
Requirements
- 10+ years of progressive credit risk, lending, or structured credit experience
- 3+ years of experience building and managing teams
- Experience structuring, negotiating, and closing complex institutional lending or credit transactions
- Financial modeling skills
- Expertise in counterparty credit analysis, margin and collateral frameworks, and financial statement review
- Knowledge of digital assets, stablecoins, lending protocols, and crypto market dynamics
- Experience partnering with technical teams to build models and integrate AI platforms or third-party models
- Bachelor’s degree in Finance, Economics, Accounting, or a related field
- MBA, CFA, or FRM preferred
Responsibilities
- Own and scale the global credit-risk framework, including policies, risk appetites, underwriting standards, and limit structures
- Partner with commercial teams to structure institutional credit solutions and facilitate deal execution within risk appetite
- Design risk parameters, automated monitoring, and collateral mechanisms for on-chain lending protocols and digital-asset products
- Monitor portfolio health, concentrations, covenants, and collateral
- Develop internal ratings, scorecards, and stress-testing models
- Partner with Legal and Compliance on credit documentation, master agreements, and security packages
- Advise senior leadership, the Risk Committee, and the Board
- Build, mentor, and empower a credit team
- Drive tooling and automation for credit monitoring, reporting, and data quality
Benefits
- Professional development budget
- Flexible in-office attendance determined by managers and teams
- Team offsites, bonding activities, and happy hours
- Bonuses and equity
- Healthcare coverage
- Retirement benefits
- Family-forming and family-support benefits
- Employee giving match
- Mobile phone stipend
- R&R days
- Wellness reimbursement
- Onsite and virtual wellness programming
- Vacation policy
- Parental leave
- Family planning benefits
- Catered lunches
- Stocked kitchens with snacks and beverages
- Fun events
