Lead Product Manager, Settlement & Billing

THE WORK:

Ripple’s Settlement and Billing team builds systems that make sure value moves clearly, accurately, and transparently across our products. This platform team holds significant responsibility for the data, status, and financial infrastructure behind all Ripple payments. It serves every customer who closes their books daily.

We are hiring a Lead Product Manager to establish and steer strategy and implementation for this team as it moves into its next stage. You'll function at the convergence of platform product development, financial operations, and regulatory compliance — guaranteeing Ripple can expand with assurance in a regulated industry.

This is a pivotal role: you will guide the team's strategy, develop its culture, and deliver the internal and external product suite that powers settlement, reconciliation, reporting, returns, and billing across Ripple's full product portfolio.

This role is ideal for someone with experience in product launches, determination, and the creativity to develop and advance innovative solutions to complex problems. You'll work closely with diverse groups — Engineering, Operations, Treasury, and Accounting — across all products that Ripple provides.

The role will be based in San Francisco and will report to the Senior Director of Product, Platform.

WHAT YOU’LL DO:

• Take ownership of and advance the strategy, roadmap, and feature requirements for Ripple's settlement and billing infrastructure.
• Use a deep understanding of technical, operational, and regulatory needs to define platform services that support our full product suite.
• Collaborate with groups across Engineering, Operations, Treasury, and Accounting to define, build, and maintain products essential to customer trust, growth, and retention.
• Drive the transition from manual to automated workflows, setting the destination and holding the bar for what "done" looks like from a customer experience standpoint.
• Identify and evaluate world-class vendors to augment in-house capabilities where appropriate.
• Monitor and analyze product performance, using data to inform decisions and iterate quickly.

• 8+ years of experience in financial technology, with at least 5 years as a Product Manager.
• Consistent track record of scaling and evangelizing successful platform products.
• Extensive background in payments infrastructure — including settlement, reconciliation, returns, and billing processes — and the regulated clients who rely on these systems.
• Technical competence and understanding of data models, API contracts, and distributed systems.
• Ability to understand both business needs and technical requirements, and to work across a wide collaborator matrix including operations and finance functions.
• Motivated by intellectual challenges and driven by a spirit to win in the market.

Why this role has significant impact:

• Critical scope: Your work will underpin the financial integrity of every product Ripple ships.
• Global reach: Build systems that meet the demands of regulated customers and diverse compliance environments around the world.
• Strategic alignment: This work is a top company priority with direct sponsorship from senior leadership.
• Foundational influence: Explain how Ripple directs settlement and billing infrastructure using a reliable, scalable product strategy.

If you want to drive product strategy for a team at the core of Ripple's financial infrastructure, we'd love to talk! You will be crafting systems that combine operational excellence with world-class engineering.

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WHO WE ARE:

Do Your Best Work

• The opportunity to build in a fast-paced start-up environment with experienced industry leaders
• A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning.
• Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
• In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in.
• Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
• We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

• Competitive salary, bonuses, and equity
• Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
• Employee giving match
• Mobile phone stipend

Take Care of Yourself

• R&R days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy - work with your manager to take time off when you need it
• Industry-leading parental leave policies. Family planning benefits.
• Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.

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Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.

Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.

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