Risk Strategy Manager

About Rippling

Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.

Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds.

Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes.

We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.

About the role

Rippling is looking for an experienced and dynamic Risk Strategy Manager to own the development and implementation of commercial credit risk strategies across our diverse financial products, including corporate cards, payroll, bill pay, PEO, and Employer of Record (EOR).

In this role, you will be responsible for crafting and executing strategies that balance credit exposure with continued rapid growth and operational efficiency. You will work closely with cross-functional teams, such as product, engineering, and finance, to create scalable and effective risk management solutions in our fast-paced, high-growth environment.

What you will do

• Develop data-driven global credit risk strategies for all Rippling financial products, ensuring alignment with business goals and regulatory requirements.
• Draft and implement credit risk policies, frameworks, and processes that balance risk management with business growth.
• Partner with product and engineering teams to build credit risk management systems, tools, and solutions that integrate seamlessly into our platform.
• Monitor, analyze, and report on portfolio performance, identifying trends and emerging risks to drive decision-making.
• Continually assess all money movement products for new credit risks and develop enhancements to control for these risks.
• Work closely with business development, finance, and operations teams to support new product initiatives and expansion into new markets.
• Stay current on industry trends, regulatory changes, and best practices in credit risk management.

What you will need

• Bachelor's degree in finance, economics, business administration, or a related field. MBA or master's degree is preferred.
• 3-5 years of experience managing credit portfolio and/or strategy in a credit risk role at a major bank or financial institution along with 2-3 years of experience working in a high-growth, fast-paced fintech environment, or equivalent experience or higher education. 
• In-depth understanding of money movement processes, payment systems, and associated credit risks.
• Demonstrated experience in developing and executing credit risk strategies for commercial payments and lending products
• Proficiency with data analysis and strong analytical skills, with the ability to translate data into actionable insights. Experience using SQL to extract and analyze data is required. Experience with Python to manipulate data and forecast trends is desirable but not required.
• Strong collaboration skills with a track record of working directly with product and engineering teams to implement credit risk solutions.
• Excellent communication and leadership skills with the ability to influence stakeholders at all levels.

Additional Information

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accomodations@rippling.com

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.

This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.