Hina Goto

S

Co-founder & CTO at Ripple Learning · Consumer finance · lending, compliance

Ripple Learning
Tokyo, Japan · JST (UTC+9)
7+ years experience
Melbourne Business School
English, Japanese
Messaging unavailable

Overview

I started Ripple Learning to fix consumer finance for teams who were tired of the workarounds. Took Ripple Learning from zero to $4 million ARR. Raised $31 million across 2 rounds. Before that: Mastercard and Atlassian. Most at home with compliance and consumer fintech. I write a small newsletter about consumer finance.

Good reasons to reach out
  • Thoughtful intros to people in my field
  • Working sessions on compliance
  • Speaking or podcast invitations
Please don't message about
  • Fundraising consultants
  • Unpaid work or spec projects
  • Crypto token projects

Slower in the last week of each quarter

Skills
growthlendingcomplianceconsumer fintech

Experience

  1. Co-founder & CTO
    Jan 2025 - Present
    Ripple Learning · 1 yr 9 mo · Full-time · Tokyo, Japan
    • Took Ripple Learning from zero to $12 million ARR.
    • Raised $19 million across 2 rounds.
  2. iOS Engineer
    May 2022 - Dec 2024
    Mastercard · 2 yr 7 mo · Full-time · Tokyo, Japan
    • Wrote the growth service that now handles 40 million requests a day.
    • Cut p99 latency on the ML platform services from 547ms to 169ms.
  3. Staff Software Engineer
    Feb 2020 - May 2022
    Atlassian · 2 yr 3 mo · Full-time · Tokyo, Japan
    • Cut the main bundle by 43% and got LCP under 2.2 seconds.

References

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Education

  1. Melbourne Business School
    MBA, Business Administration
    2019 - 2021
  2. Nanyang Technological University
    BEng, Engineering
    2014 - 2018

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