Associate, Financial Risk

Gemini•San Francisco, NY

2d•Hybrid

About The Position

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact. Gemini is seeking an Associate, Financial Risk to join our team with a focus on credit risk management across our institutional and trading businesses. This role will contribute to the firm’s credit underwriting, exposure monitoring, and risk reporting processes, helping to strengthen our overall financial risk framework. The ideal candidate will have a few years of experience at a top-tier traditional credit institution (bank, asset manager, or trading firm) with formal credit training, and ideally a personal interest in crypto or digital asset markets. This position offers a unique opportunity to apply institutional credit expertise in a dynamic and rapidly evolving environment, working directly with senior leaders in risk, finance, and trading. This role is required to be in person twice a week at either our San Francisco, CA or New York City, NY office.

Requirements

Bachelor’s degree in Finance, Economics, Accounting, or related field.
2–4 years’ experience in credit analysis or credit risk at a leading financial institution.
Strong understanding of financial statements, ratios, and cash flow analysis.
Excellent attention to detail, execution discipline, and written communication skills.
Strong interpersonal skills with a collaborative and proactive approach.
Familiarity with SQL for data retrieval, analysis, and reporting.

Nice To Haves

Familiarity with digital asset markets, cryptocurrencies, and decentralized finance (DeFi).
Formal credit training (e.g., completion of a bank or asset manager credit program).
Progress toward Charter Financial Analyst (CFA) or similar designation.
Experience or exposure to trading, derivatives, or collateralized lending.
Personal or professional experience in crypto / DeFi markets.
Knowledge of Python for analytics and process automation.

Responsibilities

Act as the primary analyst and day-to-day owner for all institutional counterparty credit risk across Gemini’s trading and financing activities.
Perform credit underwriting for institutional clients and partners, including financial analysis, liquidity assessment, and limit setting.
Monitor counterparty exposures, margin utilization, and settlement risk, escalating issues as needed.
Maintain and enhance the credit risk database, limit records, and documentation to ensure accuracy and audit readiness.
Partner with OTC Trading, Treasury, Product, and Finance to assess credit exposure, evaluate mitigants, and support deal structuring.
Develop and automate credit exposure reporting and limit monitoring tools using SQL and internal systems.
Document and enhance credit procedures, workflows, and governance controls to support consistency and scalability.
Contribute to the design and implementation of firmwide counterparty risk frameworks, including margin, collateral, and loss mitigation.
Support periodic portfolio reviews, stress testing, and risk reporting to senior management.
Coordinate with Legal and Compliance on documentation, counterparty terms, and credit policy adherence.