Join Rippling, a rapidly growing company revolutionizing HR, IT, and Finance management for businesses worldwide. We offer a unified platform for all employee lifecycle needs, from payroll and benefits to IT systems and finance. This is an exciting opportunity to contribute to our expanding financial offerings by managing complex credit risk assessments and driving crucial underwriting decisions across our diverse product suite, including corporate cards, employer of record, payroll, and bill pay.

As a key individual contributor, you will play a vital role in upholding strong credit discipline as Rippling ventures into new customer segments and global markets. If you're passionate about financial analytics and risk management, this role offers a significant impact.

In this role, you will be responsible for deeply understanding and implementing Rippling's risk policies and procedures across all applicable products. You will conduct thorough customer-level credit reviews utilizing both external and internal data sources.

Your duties will include overseeing customer escalations and addressing inquiries from Sales and Support teams. You will investigate and manage high-risk credit situations as they arise. A significant part of your role will involve formulating and presenting credit recommendations to senior management and the credit committee.

You will also monitor the overall performance of the credit portfolio against established targets and thresholds. Effective collaboration with cross-functional partners is essential for resolving credit-related issues. Additionally, you will contribute to projects aimed at enhancing the efficiency and scalability of our risk control practices.

We are seeking candidates with a robust financial analytics background, ideally holding a degree in Finance, Economics, or a related field, or demonstrating progress towards a CFA charter, or possessing equivalent relevant experience. A deep understanding of financial statement analysis and commercial credit products is essential.

Proven experience of at least 4 years in credit risk, with a preference for those familiar with SMB/MM commercial lending, and hands-on experience with financial and bank statements, is required. Experience collaborating with Sales and/or Support teams is highly valued.

Successful candidates will be highly organized, capable of managing multiple priorities simultaneously, and able to thrive independently in a fast-paced environment with tight deadlines. Excellent communication and interpersonal skills are crucial for influencing stakeholders at all organizational levels.