Director, Credit Risk

The role

You will own credit risk across the Ripple group by setting the overarching framework and structuring new lending deals. You will partner with Sales, Product, Trading, Legal, Finance, and Treasury to balance business growth with data-driven risk management.

What you will do

• Evolve and improve Ripple's global credit risk framework
• Partner with Sales, Product, Trading, and Financial Services to structure institutional credit solutions
• Partner with Product and Engineering to design risk parameters and collateral mechanisms for on-chain lending
• Oversee portfolio health, concentrations, covenants, and collateral
• Develop internal ratings, scorecards, and stress-testing models
• Partner with Legal and Compliance to negotiate credit documentation and security packages
• Serve as an advisor to senior leadership, the Risk Committee, and the Board
• Build, mentor, and empower a high-performing credit team
• Drive tooling and automation initiatives for credit monitoring and reporting

Required qualifications

• 10+ years of progressive credit risk, lending, or structured credit experience at a bank, prime broker, fintech, or digital asset firm
• 3+ years successfully building and managing teams
• Success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions
• Exceptional financial modeling skills (Excel, Google Sheets)
• Deep expertise in counterparty credit analysis, margin/collateral frameworks, and financial statement review
• Strong understanding of digital assets, stablecoins, lending protocols, and crypto market dynamics
• Experience partnering with technical teams to design and build models
• Experience integrating third party models and AI platforms in the credit risk space
• Superior written and verbal communication skills
• Bachelor's degree in Finance, Economics, Accounting, or related field

Nice to have

• SQL/Python
• MBA
• CFA
• FRM

Benefits

• 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
• R&R days
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy
• Industry-leading parental leave policies
• Family planning benefits
• Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events
• Professional development budget
• Team offsites, team bonding activities, happy hours and more

About the company

Ripple is building a world where value moves like information does today through crypto solutions for financial institutions, businesses, governments and developers.