Risk Strategy Manager (Employer Of Record & Wage Liability)

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 is looking for an experienced Employer & Contractor of Record Risk Strategy Manager to spearhead risk strategies for its EOR/COR products. In this critical role, you will design strategies to manage credit exposure, including wage liability risk, while driving growth and maintaining efficiency. You'll work with cross-functional teams, such as Product, Engineering, and Finance, to develop tailored risk management solutions suited to our dynamic, high-growth environment.

What You Will Do

• Develop and lead global credit risk strategies for Rippling's EOR & COR products, ensuring they align with business goals and regulatory standards.
• Mitigate wage liability risk by implementing strategies to meet payroll obligations.
• Establish and enforce credit risk policies and frameworks to support business growth while effectively managing risk.
• Collaborate with Product and Engineering teams to design and integrate credit risk management systems and tools.
• Continuously monitor and analyze the EOR & COR credit portfolio's performance, identifying trends and emerging risks.
• Implement automated credit risk decisioning tools to boost efficiency and reduce losses.
• Work closely with Business Development, Finance, and Operations teams to support new product initiatives and market expansion.
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
• Maintain a strong operational control environment to ensure compliance and minimize potential risks.

What You Will Need

• 3-5 years of proven experience in developing and executing credit risk and product strategies for commercial EOR or COR products at a major financial institution or in a high-growth fintech environment, including an understanding of wage liability risk and mitigation strategies in an EOR context.
• Proficiency in data analysis with strong analytical skills.
• Strong collaboration skills with a history of working with Product and Engineering teams.
• Excellent communication and leadership abilities, capable of influencing stakeholders at all levels.
• Bachelor's degree in finance, economics, business administration, statistics, mathematics, or a related field.

Nice to have

• Experience with SQL or Python is a plus.
• MBA or master's degree preferred, especially in a relevant field such as data analytics, engineering, or statistics.
• Prior experience with risk decisioning engines such as Datavisor.
• Experience partnering with Product or Engineering teams to build new risk management decision engines and features.

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 [email protected]

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.

The pay range for this role is:

120,000 - 195,000 USD per year(US Tier 1)

115,000 - 175,000 USD per year(US Tier 2)

110,000 - 165,000 USD per year(US Tier 3)