Splash Financial

Director

• Own credit portfolio performance analysis across our lending products, identifying emerging trends, risks, and opportunities to improve portfolio outcomes.
• Develop and refine credit strategies that balance growth, risk management, and customer experience.
• Lead deep analytical investigations into portfolio performance, underwriting outcomes, and borrower behavior to inform strategic decisions.
• Partner closely with Data Science to guide the development and implementation of predictive models and risk frameworks.
• Collaborate with Product and Engineering teams to translate credit strategy into scalable underwriting policies, automated decisioning, and platform capabilities.
• Present strategic insights and recommendations to executive leadership, internal Credit Committee, and external lending partners.
• Design and enhance analytical tools, dashboards, and reporting frameworks to improve visibility into key credit and portfolio metrics.
• Influence company-wide risk strategy by providing expert perspective on underwriting policies, portfolio management, and credit expansion opportunities.

Director of Credit

Underwriter

• Own the end-to-end underwriting and verification product domain across credit, fraud, income, identity decisioning, and agent review workflows within the personal lending funnel.
• Define and execute the multi-quarter roadmap for decision engines, including rule orchestration, model deployment, experimentation frameworks, and automation strategy.
• Lead integrations and optimization of third-party data providers such as LexisNexis, Socure (or similar), credit bureaus, fraud/identity vendors, and income verification partners.
• Drive implementation and scaling of document processing and automation platforms (e.g.- Inscribe, Ocrolus, Instabase) to increase straight-through processing and reduce manual review dependency.
• Partner closely with underwriting agents and operations teams to design intuitive tooling, case management workflows, and review experiences that improve efficiency, quality, and compliance.

Director of Credit

Staff Product Manager – Verification & Underwriting