Senior Manager, Credit Risk Management

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:

• Credit 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
• 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.