Manager, Product Financial Risk

Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com .
What you'll be part of:
Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values : High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.
What you'll be responsible for:
As a Product Financial Risk Manager , you will be the primary financial risk partner embedded within Circle's product development and launch process. You will work closely with Product Managers, Business Owners, and Treasury to ensure new products, features, and market expansions are designed, approved, and launched within Circle's financial risk appetite, with risks clearly identified, measured, mitigated, and governed throughout the product lifecycle.
You will operate at the intersection of product strategy and financial risk discipline, translating enterprise risk frameworks, model outputs, and regulatory expectations into practical, product-level analytics and control expectations that enable responsible innovation.
What you'll work on:

• Embedded risk partnership - Work directly with Product Managers, business owners, and Finance partners as products are designed and built. You will help teams understand financial risks early, evaluate trade-offs, and design products that meet business goals while staying within Circle's financial risk appetite.
• Product and deal-level financial risk assessments - As the second line of defense, you will evaluate the financial risks associated with new products, features, deals, and market expansions. This includes assessing inherent and residual risks, control effectiveness, required capital / liquidity, and performance under various stress scenarios. A key part of the role is translating complex analysis into clear, actionable insights, and preparing concise financial risk summaries that support product reviews and leadership decision-making.
• Risk Analytics and Monitoring - Partner with cross-functional teams and FRM counterparts to develop and use financial risk metrics, scenarios, and dashboards that support product launch decisions and ongoing monitoring, surfacing early warning signals as risk levels change.
• Launch readiness and governance support - Ensure financial risks and mitigations are clearly documented before launch, with defined owners and escalation paths. Ensure launch critical financial risk controls are implemented and operating effectively.
• Post-launch risk monitoring - Monitor product performance after launch, compare actual outcomes to original assumptions, and help teams adjust controls, or product design when risks change.

What you'll bring to Circle:

• 7+ years of experience in product-adjacent financial risk roles in banking, trading, fintech.
• A passion for harnessing the power of digital currency and blockchain technology and services built on top of it.
• An innovative and creative mind looking to suggest new solutions to old problems.
• Proven experience working collaboratively and effectively with the ability to work with multiple stakeholders and internal teams.
• Experience and comfort working in an ever changing industry and the flexibility to quickly react to changing demands. Never tired of learning.
• Strong understanding of financial risks arising from complex financial products including credit, liquidity, market, and financial operations risk.
• Hands-on experience with risk analytics, counterparty due diligence, limit sizing, stress testing and scenario analysis.
• Familiar with risk capital and risk-adjusted return concept.
• Demonstrated ability to translate enterprise risk frameworks into product-level requirements and controls.
• Experience working closely with Product and Finance teams, influencing outcomes through analysis and partnership rather than authority.
• Familiarity with risk governance structures, such as risk registers, issue management, and the Three Lines of Defense.
• Strong written and verbal communication skills, with the ability to synthesize complex analysis into clear product and leadership-facing narratives.

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.
Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.
Base Pay Range: $140,000 - $185,000
We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
Should you require accommodations or assistance in our interview process because of a disability, please reach out to [email protected] for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.
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