Director, Product Management, On-chain Payments San Francisco, CA, United States

Please note this is for San Francisco, CA, United States. You only need toapply to one location if there are multiple listed for the job.

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

THE WORK:

We’re looking for a senior product leader to shape the future of payments and financial applications on the XRP Ledger.

In this role, you’ll own product strategy and execution across areas such as stablecoin payments, on-chain liquidity and foreign exchange, and emerging forms of programmable commerce. You’ll work at the intersection of blockchain infrastructure, financial markets, and real-world customer needs - turning new capabilities into products and experiences that can achieve meaningful adoption.

This is a highly cross-functional role. You’ll work closely with engineering, business development, ecosystem partners, and customers to identify the most important problems to solve, develop a clear product strategy, and drive complex initiatives from concept through market adoption.

WHAT YOU’LL DO:

• Own product strategy and roadmap for key payments and on-chain financial capabilities on the XRP Ledger
• Identify and prioritize opportunities where blockchain infrastructure can meaningfully improve how value is exchanged, converted, and settled
• Develop product-market fit hypotheses and validate them through customer discovery, market research, product data, and real-world usage
• Partner closely with Engineering to translate market and customer needs into scalable product and protocol capabilities
• Work with financial institutions, payment providers, liquidity providers, developers, and other ecosystem participants to understand workflows and adoption barriers
• Lead complex cross-functional initiatives spanning Product, Engineering, Business Development, and external partners
• Define the capabilities and ecosystem requirements needed to deliver compelling end-to-end customer experiences
• Navigate technical, commercial, and market tradeoffs to drive clear decisions and maintain momentumRepresent the product strategy internally and externally with customers, partners, and the broader ecosystem

WHAT YOU'LL BRING:

• Significant product management experience building payments, fintech, financial infrastructure, trading, or other technically complex products
• Proven ability to define product strategy and lead ambiguous, high-impact initiatives from discovery through launch and adoption
• Strong cross-functional leadership skills, with a track record of driving alignment across technical and commercial organizations
• Strong technical fluency and experience working closely with engineering teams on backend, infrastructure, API, or protocol-level products
• Deep customer orientation and the ability to translate complex financial workflows into clear product opportunities
• Strong systems thinking and judgment across product, technology, market dynamics, and go-to-market considerations
• Excellent written and verbal communication, particularly when simplifying complex problems and driving decisions across diverse stakeholders
• Comfort operating in a fast-moving environment where the market, technology, and customer needs are still evolving

Nice to Have:

• Experience in payments, FX, liquidity, settlement, treasury, or financial market infrastructure
• Experience building crypto, blockchain, or stablecoin products
• Familiarity with wallets, digital assets, on-chain transactions, and decentralized or electronic trading systems
• Experience with developer platforms, open-source ecosystems, or protocol-level product development
• Experience launching products that depend on adoption across multiple ecosystem participants

For positions that will be based in CA, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions.

CA Annual Base Salary Range

$216,000 — $270,000 USD

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

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.

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.