Director, Credit Risk
About The Position
Ripple is seeking a strategic, analytical, and collaborative Director, Credit Risk to own credit risk across the Ripple group. The role sets and evolves the global framework for managing existing credit exposure while structuring new lending deals, both on-chain and off-chain, to advance Ripple’s credit business. The Director partners with Sales, Product, Trading, Legal, Finance, Treasury, and Financial Services to balance business growth with proactive, data-driven risk management. The role oversees credit strategy and underwriting, institutional credit structuring, on-chain risk management, portfolio monitoring, stress testing, credit documentation, team development, and automation. The Director also serves as an advisor to senior leadership, the Risk Committee, and the Board, and builds a high-performing credit team as Ripple scales globally.
Requirements
- 10+ years of progressive credit risk, lending, or structured credit experience at a bank, prime broker, fintech, or digital asset firm.
- 3+ years of experience successfully building and managing teams.
- Demonstrated success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions.
- Strong collaboration skills and a humble, team-first approach, including empathy and the ability to build cross-functional relationships.
- Exceptional financial modeling skills and deep expertise in counterparty credit analysis, margin and collateral frameworks, and financial statement review.
- Strong understanding of digital assets, stablecoins, lending protocols, and crypto market dynamics, including volatility, custody, settlement, and liquidity risks.
- Experience partnering with technical teams to design and build models, leveraging Agentic AI solutions for underwriting and monitoring, and integrating third-party models and AI platforms in credit risk.
- Self-directed, action-oriented approach to identifying emerging risks, proposing pragmatic solutions, and constructively declining proposals when required.
- Strong written and verbal communication skills, including the ability to explain complex financial and risk concepts to executives, board members, and external partners.
- Bachelor’s degree in Finance, Economics, Accounting, or a related field.
Nice To Haves
- MBA, CFA, or FRM strongly preferred.
- SQL or Python skills are a plus.
Responsibilities
- Evolve and improve Ripple’s global credit risk framework, including policies, risk appetites, underwriting standards, and limit structures.
- Partner with commercial and financial services teams to structure institutional credit solutions, enable revenue streams, and facilitate deal execution within risk appetite.
- Work with Product and Engineering to design risk parameters, automated monitoring, and collateral mechanisms for on-chain lending protocols and digital asset products.
- Oversee portfolio health, concentrations, covenants, and collateral; develop internal ratings, scorecards, and stress-testing models tailored to digital asset volatility, market dislocations, and liquidity risks.
- 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 high-performing credit team.
- Drive tooling and automation initiatives to improve credit monitoring, reporting, and data quality.
Benefits
- Professional development budget
- Competitive salary, bonuses, and equity
- Benefits covering physical and mental healthcare, retirement, family forming, and family support
- Employee giving match
- Mobile phone stipend
- R&R days
- Wellness reimbursement and weekly onsite and virtual programming
- Generous vacation policy
- Parental leave policies and family planning benefits
- Catered lunches, fully stocked kitchens with premium snacks and beverages, and fun events
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Director
