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's Risk team is looking for a Credit Underwriter to conduct customer-level credit risk assessments and support risk mitigation initiatives across numerous Rippling products, including but not limited to the Spend Management corporate card portfolio. The Associate will play a crucial role in supporting and carrying out risk control functions according to internal policies as Rippling continues to expand its offerings to new customer segments.

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

• Learn, understand, and implement Rippling’s risk policies and procedures across all relevant products.
• Perform customer-level credit reviews using both external and proprietary data sources.
• Oversee customer escalations and respond to questions/requests from the Sales + Support functions.
• Investigate and take action on high-risk customer credit situations, as needed.
• Formulate and present credit recommendations to senior team members and the credit committee.
• Monitor portfolio-level performance against internal targets and required thresholds.
• Work effectively with cross-functional partners to resolve credit issues.
• Help drive projects related to improving the efficiency and scalability of risk control practices

What you will need

• Strong financial analytics background: degree in Finance, Economics, or related field, progress towards CFA charter, or relevant on-the-job experience.
• Minimum 3 years of credit risk experience, ideally related to SMB/MM commercial lending; working knowledge of financial and bank statements.
• Experience working cross-functionally with Sales and/or Support teams.
• Highly organized with the ability to deliver on multiple priorities simultaneously.
• Ability to operate independently in a fast-paced environment and meet aggressive deadlines.
• SQL acumen is highly valued but 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 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.