Director of Credit

Splash Financial

Director of Credit shaping portfolio analytics, underwriting, and risk strategy. Splash Financial uses fintech lending technology to refinance student loans and other consumer debt.

Posted 8/19/2026full-timeRemote • 🇺🇸 United StatesLead💰 $180,000 - $220,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit portfolio performance analysis, risk management, and the development of credit strategies. Proficient in translating complex data insights into actionable recommendations for executive leadership and collaborating across teams to enhance underwriting policies and decision-making frameworks.

Highest-signal resume keywords

Credit Portfolio AnalyticsUnderwriting StrategyRisk ManagementSQLPython

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Portfolio Performance AnalysisStatistical AnalysisPredictive ModelingMachine LearningData Analysis

Soft Skills

Cross-Functional CollaborationStakeholder InfluenceStrategic Communication

Tools & Technologies

Analytical ToolsDashboardsReporting Frameworks

Industry Keywords

FintechConsumer LendingFinancial Services

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own credit portfolio performance analysis across Splash’s lending products, identifying emerging trends, risks, and opportunities
Develop and refine credit strategies balancing growth, risk management, and customer experience
Lead analytical investigations into portfolio performance, underwriting outcomes, and borrower behavior
Partner with Data Science on predictive models and risk frameworks
Collaborate with Product and Engineering to translate credit strategy into scalable underwriting policies, automated decisioning, and platform capabilities
Present strategic insights and recommendations to executive leadership, the internal Credit Committee, and external lending partners
Design and enhance analytical tools, dashboards, and reporting frameworks for key credit and portfolio metrics
Influence company-wide risk strategy concerning underwriting policies, portfolio management, and credit expansion

Requirements

What you’ll need

8–12+ years of experience in credit risk, lending analytics, or credit strategy within fintech, consumer lending, or financial services
Strong expertise in credit portfolio analytics, underwriting strategy, and risk management
Advanced experience working with large datasets and statistical analysis using SQL and Python
Experience partnering with data science teams on predictive modeling, machine learning, or risk model development
Proven ability to translate complex analysis into clear strategic recommendations for senior leadership
Strong cross-functional collaboration skills and ability to influence stakeholders without direct authority
Bachelor’s degree in a quantitative field (e.g., mathematics, statistics, economics, engineering, finance)
Advanced degree (Master’s or PhD) preferred

Benefits

Comp & perks

Fully remote work freedom (for most roles)
Competitive salary packages
Flexible PTO + 9 company holidays
Equity: Share in our start-up success
Comprehensive and affordable insurance benefits
Paid parental leave for both caregivers
Essential modern equipment to get the job done
Fully paid Claude subscription to supercharge your work
401(k) for your future savings
Quarterly meet-ups: In person & virtual fun
Awesome Splash swag to flaunt your team spirit
Bonus component tied to individual and company performance may be available