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.
Cash Forecasting is our AI-amplified treasury solution that helps CFOs and treasury teams move beyond error-prone spreadsheets to achieve real-time cash visibility and predictive accuracy.
The platform integrates seamlessly with major ERPs and banking systems to automatically capture, categorise, and analyse transactional data across multiple currencies and business units. Leveraging our proprietary GSmart AI technology, the solution continuously learns from historical cash flows, sales data, and treasury information to automatically select optimal forecasting algorithms and improve accuracy by over 30%.
You'll work on sophisticated Ruby on Rails and React software that turns diverse financial data into clear analysis, giving customers sharp insight and forecasting through intuitive dashboards. This is a critical platform moving over $100 billion in daily cash flow for enterprise customers across 40+ countries, built to hold enterprise-grade security and scalability at that scale, every single day.
What You’ll Do:- Design, build, and maintain backend services and APIs that power the Cash Forecasting platform, while remaining comfortable picking up frontend work when the task calls for it
- Work across a large, sophisticated, multi-tenant SaaS codebase, writing code that's built to scale across enterprise customers and their data
- Own the data layer, schema design, query performance, and data integrity - with a strong emphasis on PostgreSQL and SQL more broadly
- Write and maintain thorough test coverage using RSpec, treating testing as a first-class part of delivery
- Package and deploy services using Docker, and work within our AWS-based cloud infrastructure
- Write scripts and tooling to automate repetitive work, support data migrations, and keep the team moving quickly
- Instrument the systems you build with strong observability practices -logging, metrics, and tracing — to catch and resolve issues before they impact customers
- Benchmark and profile code to identify performance bottlenecks, and make evidence-based decisions about where to optimise
- Collaborate closely with product managers, designers, and fellow engineers to translate business and customer needs into robust technical solutions
- Participate in code reviews and technical design discussions, contributing to the team's overall growth and improvement
- Be a champion of the YBIYRI ethos (you-build-it-you-run-it), which includes participating in the on-call pager rotation
- 4-8 years of professional software development experience, ideally including full-stack work with a backend lean
- Strong SQL fundamentals; hands-on experience with PostgreSQL ideal
- Comfortable working within large, sophisticated, existing codebases and making changes safely
- Scripting ability for automation and tooling (language-agnostic)
- Experience with Docker or other containerisation technologies
- Proven Git proficiency, including collaborative branching workflows
- Proficiency in at least one major programming language (such as Ruby, Python, or Java)
- Experience employing AI tools throughout the development lifecycle to speed up problem-solving and delivery
- Experience testing with RSpec
- Experience with Ruby or Ruby on Rails is a strong plus - while we value the ability to learn quickly across languages, familiarity with our primary stack will help you ramp up faster.
- Frontend experience, ideally with React, and the ability to contribute there when needed
- Experience with, or solid understanding of, AWS
- Experience building or maintaining multi-tenant, enterprise SaaS platforms
- Familiarity with observability tooling and practices (logging, metrics, tracing, alerting)
- Experience benchmarking and profiling code for performance
- Experience in the financial industry, particularly treasury, payments, FX, or ERP systems
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.
Skills Required
- 4-8 years of professional software development experience, ideally including backend-focused full-stack work
- Strong SQL fundamentals
- Hands-on PostgreSQL experience
- Ability to work safely in large, sophisticated existing codebases
- Scripting ability for automation and tooling
- Experience with Docker or other containerization technologies
- Proven Git proficiency, including collaborative branching workflows
- Proficiency in at least one major programming language such as Ruby, Python, or Java
- Experience using AI tools throughout the development lifecycle
- Experience testing with RSpec
- Experience with Ruby or Ruby on Rails
- Frontend experience, ideally with React
- Experience with or solid understanding of AWS
- Experience building or maintaining multi-tenant enterprise SaaS platforms
- Familiarity with observability tooling and practices, including logging, metrics, tracing, and alerting
- Experience benchmarking and profiling code for performance
- Experience in financial services, particularly treasury, payments, FX, or ERP systems
Ripple Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ripple and has not been reviewed or approved by Ripple.
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Healthcare Strength — Comprehensive coverage, including employer-paid medical, dental, and vision from day one, is emphasized alongside wellbeing resources and stipends. This indicates strong foundational healthcare support as part of total rewards.
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Parental & Family Support — Paid parental leave of substantial duration and inclusive family-forming benefits (via fertility support) are highlighted. These offerings signal robust backing for diverse paths to parenthood.
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Leave & Time Off Breadth — Flexible or unlimited PTO paired with additional company-wide recharge days points to ample time-off provisions. Public materials also reference generous closures that facilitate periodic rest.
Ripple Insights
What We Do
Ripple provides one frictionless experience to send money globally using the power of blockchain technology. By joining Ripple’s growing global network, financial institutions can process their customers’ payments anywhere in the world instantly, reliably and cost-effectively. Banks and payment providers can use the digital asset XRP to further reduce their costs and access new markets. Founded in 2012, Ripple's vision is to enable a world where value moves as seamlessly as information flows today—an Internet of Value. Ripple is the only enterprise blockchain company today with products in commercial use. Ripple’s global payments network includes over 300 customers across 40+ countries and six continents.
