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 As a member of Ripple’s Risk team, you’ll play a critical role in identifying, quantifying, and mitigating the financial risks present across Ripple’s business lines. You’ll work cross-functionally with many Ripple teams, customers, and partners to simultaneously enable growth while managing Risk to acceptable levels. This role will focus heavily on Ripple’s credit and counterparty risk, while also actively managing market and liquidity risk. What you’ll do Financial Risk Management Work closely with commercial teams to assess and quantify risk, implement process, and drive education Conduct credit underwriting and financial statement analysis to gauge counterparty financial health and make business recommendations Build and implement credit risk models in-line with local standards to meet financial and regulatory reporting requirements Analyze and monitor Ripple’s existing and evolving customer portfolio including setting credit limits, concentration, pricing, etc Conduct loss forecasting and stress testing, effectively communicating results to senior management to align on risk appetite Work with customers to discover and implement the optimal credit structures Assist in developing and refining credit policies and procedures

Other Risk Management Develop the processes and procedures to identify and manage risks associated with growing commercial activity and expansion of products and services Monitoring the firm\'s capital and liquidity needs through independent review of risk measurement techniques, scenario analysis, and stress testing approaches Develop and maintain strong relationships and engagement with all partners

Governance and Reporting Build and implement a robust governance structure and risk reporting systems to ensure senior management remains informed Provide expert guidance and strategic recommendations to senior management on credit and financial risk matters, enabling informed decision-making Supporting the maintenance and further development of a strongly embedded risk management culture

What you’ll bring 10+ years of experience in credit risk management (preferred), financial markets, trading, or related financial services roles Experience working in the crypto ecosystem is strongly preferred Higher education in a quantitative field, such as Economics, Finance, Data Analytics, etc is a plus Commercial mindset and a proven ability to understand complex products and work with business teams to implement creative solutions In-depth knowledge of financial statement analysis, credit underwriting, and limit-setting Strong relationship building skills and willingness to collaborate cross functionally Strong communicator and ability to convey highly technical topics in an easy to understand manner Prior debt restructuring and/or workout negotiations experience a plus For positions that will be based in CA, 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. CA Annual Base Salary Range $176,000 — $210,000 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.

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