Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
Cross River originates billions in consumer credit annually through its multiple partners. We are building the rail that packages Cross River-originated credit and other interests into tokenized form, distributes it to institutional investors nationally and internationally through licensed partners, settles onchain, and provides the reporting and servicing infrastructure that institutional buyers require. The General Manager owns that business end to end: tokenized issuance, distribution through licensed partners, onchain settlement in USDC, and the data, NAV, attestation and investor-reporting infrastructure.
This is a founding, P&L-controlling seat. You will not inherit a template, a partner playbook, or a technology stack- you will decide what they should be. You will work alongside the Bank's origination, structured product and principal finance teams, who supply, structure and price the assets, while you own everything that happens after: how the asset is tokenized, distributed and how it is reported on for its life.
Mandate. Take the business from first transaction to functioning platform.
Launch. Establish the legal, technical and operational chain end to end, and execute the first programs.
Industrialize. Turn bespoke execution into a repeatable product, so that each successive program launches faster and costs less than the last.
Broaden. Expand the range of offering and distribution.
Key Responsibilities:
- Commercial ownership. Manage the P&L. Justify each programme and be accountable for the returns the business generates.
- Distribution. Build and manage relationships with licensed distribution partners and institutional investors internationally, converting early interest into recurring programmes.
- Tokenization and settlement. Own the technology strategy, including what to build and what to buy. Own onchain issuance, transfer controls, and stablecoin settlement operations.
- Data, servicing and reporting. Own the infrastructure behind every programme: loan-level data pipelines, reconciliation, NAV production, payment waterfalls, third-party verification, delinquency monitoring, and institutional-grade investor reporting. This is a build responsibility, and it is central to the role.
- Controls and perimeter. Operate within a regulated bank's control environment, working with Principal Finance, CRB Securities, Legal, Compliance and Risk to maintain a clean regulatory perimeter in every market served.
- Team. Hire and lead a small, senior, cross-functional team as needed.
Qualifications:
Required
- 10+ years in private credit, specialty finance, structured credit, or alternative asset management, in a front-office/middle-office or front-office-adjacent role.
- Demonstrated ownership of an Asset Management function, P&L, portfolio, or product mandate. With transactions closed in consumer or small-business credit - forward flow, whole loan sales, participations, or securitization - with accountability for how they performed afterwards.
- Genuine ownership of the operational side of the business: loan-level data, investor reporting, servicing oversight, reconciliation. Candidates whose experience covers transaction execution only will NOT be a fit. Fluency in consumer credit collateral and in structuring mechanics: subordination, waterfalls, reinvestment structures, triggers and eligibility.
- Exposure to tokenized real-world assets, permissioned token standards, or stablecoin settlement. Experience inside a regulated bank's control environment. Credibility with institutional investors and their investment committees. Builder's temperament, and comfort with ambiguity.
Preferred
- Smart contract mechanics, chain selection and token standards
- Stablecoin settlement and treasury operations
- Local regulatory regimes in Asia
#LI-ZN1 #LI-Hybrid #LI-Onsite
Salary Range: $250,000.00 - $300,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- 10+ years in private credit, specialty finance, structured credit, or alternative asset management in a front-office, middle-office, or adjacent role
- Ownership of an asset management function, P&L, portfolio, or product mandate
- Closed transactions involving consumer or small-business credit, including forward flow, whole loan sales, participations, or securitization
- Operational ownership of loan-level data, investor reporting, servicing oversight, and reconciliation
- Fluency in consumer credit collateral and structuring mechanics, including subordination, waterfalls, reinvestment structures, triggers, and eligibility
- Exposure to tokenized real-world assets, permissioned token standards, or stablecoin settlement
- Experience inside a regulated bank’s control environment
- Credibility with institutional investors and investment committees
- Experience with smart contract mechanics, chain selection, and token standards
- Experience with stablecoin settlement and treasury operations
- Knowledge of local regulatory regimes in Asia
Cross River Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Cross River and has not been reviewed or approved by Cross River.
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Healthcare Strength — Company materials state it pays 100% of premiums for medical, dental, and vision for eligible employees and their families, and covers $100,000 life and $100,000 AD&D. Feedback often highlights this employer-paid coverage as a standout element of the package.
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Affordable Benefits — Fully covered health premiums reduce employee out-of-pocket premium costs and increase the perceived value of total compensation. Feedback suggests strong ratings for health, dental, and vision coverage.
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Wellbeing & Lifestyle Benefits — Hybrid flexibility (role/location dependent), wellness budgets in some regions, and HQ amenities like a gym, cafe, shuttle, haircuts, and dry cleaning are highlighted in company materials. Learning and development support, an employee development fund, and volunteer opportunities are also featured.
Cross River Insights
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
