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. 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.

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.

Learn, understand, and implement Rippling's risk policies and procedures across all relevant products.

Perform customer-level credit reviews using both external and proprietary data sources.

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.

NOTE: This is a hybrid position requiring 3 days of on-site work per week, aligned with EST working hours.

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 setting 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 employee's role.

📌 Credit / Finance Underwriter (Bengaluru)
🏢 Rippling
📍 Bengaluru