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 $1.4B+ from the worlds top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of Americas 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

This individual will operate as an individual contributor (IC), responsible for conducting complex customer-level credit risk assessments and driving high-quality underwriting decisions across multiple Rippling products — including, but not limited to, the Spend Management Corporate Card portfolio, Employer of Record, Payroll, Bill Pay, and related financial offerings. This role is critical to maintaining strong credit discipline as Rippling continues to expand into new customer segments and geographies.

What You Will Do

• Learn, understand, and implement Ripplings 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.

• Strong financial analytics background: degree in Finance, Economics, or related field, progress towards CFA charter, or relevant on-the-job experience.
• Deep expertise in financial statement analysis and understanding of commercial credit products
• Minimum 4 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.
• Excellent communication and interpersonal skills, with the ability to influence across all levels of the organization.

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 [HIDDEN TEXT]

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees, Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employees role.