Manager, Product Financial Risk

Circle is one of the world’s leading internet financial platform companies, building the foundation of a more open, global economy through digital assets and programmable blockchain infrastructure. As a Product Financial Risk Manager, you will be the primary financial risk partner within Circle’s product development and launch process, ensuring new products are designed and launched within the company's financial risk appetite.

Responsibilities:

• 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

Requirements:

• 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