Senior Credit Underwriter

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 $1.2B 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

We are looking for a Senior Credit Underwriter to own the portfolio credit risk monitoring process including Credit Risk reviews on identified high-risk customers, drive projects aimed at improving Credit Risk controls, and apply internal risk policies to customer-level decisions . This person will be able to propose and partner cross-functionally to implement new risk controls while taking into account Rippling’s broader growth objectives and the customer experience. The ideal candidate is a motivated and team-minded credit risk professional with project management experience focused on process improvement.

Please note this is a hybrid role with expectation to be in office 3 days a week.

What you will do

• Perform customer-level credit reviews using internal data and submitted financial information..
• Demonstrate the ability to develop, present, and support recommendations on risk-related decisions.
• Oversee key customer management interactions related to managing exposure from high-risk customers.
• Take ownership of projects focused on increasing automation and facilitating credit decision-making at scale.
• Partner with cross-functional teams including Product, Sales, Engineering, Business Operations, Legal, and Capital Markets to ensure credit risk initiatives align with growth and product objectives.

What you will need

• Minimum 5 years’ credit experience, ideally within commercial or small business lending with authority to make lending decisions; strong working knowledge of financial and bank statement analysis.
• Experience leading cross-functional projects working with PMs and engineers in a lending or fintech environment involving the use of customer data to drive automation of credit monitoring processes.
• Experience independently formulating risk management policies and procedures.
• Must be comfortable operating in a fast-paced environment, sometimes with minimal supervision.
• Experience working in fin-tech, start-up experience preferred.
• SQL fluency is a strong plus, but is not required.

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 40 mile 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 e