Director, Credit Risk

WHO WE ARE:

Qualifications

• Proven Track Record & Accomplishments: 10+ years of progressive credit risk, lending, or structured credit experience at a bank, prime broker, fintech, or digital asset firm, including 3+ years successfully building and managing teams.
• Commercial Mindset: Demonstrated success partnering with commercial teams to structure, negotiate, and close complex institutional lending or credit transactions.
• Low Ego & High Collaboration: A humble, team-first approach. You lead with empathy, actively seek out diverse perspectives, elevate those around you, and build strong cross-functional relationships.
• Crypto & Market Knowledge: Strong understanding of digital assets, stablecoins, lending protocols, and crypto market dynamics, including unique volatility, custody, settlement, and liquidity risks.
• Technology Forward: Experience partnering with technical teams to design and build models, leverage Agentic AI solutions to enable underwriting and monitoring, and experience integrating third party models and AI platforms in the credit risk space
• Proactive & Solution-Oriented: Highly self-directed with a strong bias for action. You proactively identify emerging risks, propose pragmatic solutions, and can effectively say "no" constructively when required.
• Strong Communication: Superior written and verbal communication skills, with the ability to articulate complex financial and risk concepts clearly to executives, board members, and external partners.
• For positions that will be based in NY, 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.
• NY Annual Base Salary Range$204,000—$250,000 USD

Preferred Qualifications

• Analytical & Technical Excellence: Exceptional financial modeling skills (Excel, Google Sheets, SQL/Python a plus) and deep expertise in counterparty credit analysis, margin/collateral frameworks, and financial statement review.
• Education & Credentials: Bachelor’s degree in Finance, Economics, Accounting, or related field (MBA, CFA, or FRM strongly preferred).

Responsibilities

• Own & Scale Credit Strategy: Evolve and improve Ripple’s global credit risk framework (including policies, risk appetites, underwriting standards, and limit structures), ensuring they scale dynamically with business growth.
• Drive Commercial Credit Structuring: Partner proactively with Sales, Product, Trading, and Financial Services teams to structure institutional credit solutions, enable new revenue streams, and facilitate deal execution within risk appetite.
• Pioneer On-Chain Risk Management: Partner closely with Product and Engineering teams to design and build risk parameters, automated monitoring, and collateral mechanisms for on-chain lending protocols and digital asset products.
• Portfolio Monitoring & Stress Testing: Oversee portfolio health, concentrations, covenants, and collateral in real time. Develop sophisticated internal ratings, scorecards, and stress-testing models tailored to digital asset volatility, market dislocations, and liquidity risks.
• Cross-Functional Collaboration: Partner with Legal and Compliance to negotiate credit documentation, master agreements, and security packages while serving as a trusted advisor to senior leadership, the Risk Committee, and the Board.
• Team Leadership & Development: Build, mentor, and empower a high-performing credit team as Ripple scales globally.
• Data & Automation: Drive tooling and automation initiatives to continuously elevate credit monitoring, reporting, and data quality.