Responsibilities
- 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.
Requirements
- 8-10+ years of product management experience, with significant focus on underwriting, credit, fraud, or decisioning platforms in fintech or consumer lending.
- Deep experience with credit underwriting systems and fraud decisioning tools, including hands-on experience implementing or managing decision engines.
- Experience integrating and optimizing third-party data providers.
- Strong structured thinking and execution excellence. You can translate strategy into a clear plan, define meaningful milestones and metrics, and deliver consistently.
- You have strong analytical skills and can surface insights and recommendations from customer feedback and performance dashboards.
- Excellent communication and stakeholder management skills; you’re comfortable driving alignment across senior leaders and diverse teams, saying the hard thing with clarity and respect, and elevating others as you go.
- Demonstrated experience building or improving agent-facing underwriting tools and workflows, with a strong understanding of manual review operations, queue management, case handling, and quality controls.
- Strong understanding of underwriting workflows, risk-based decisioning, experimentation, and operational tradeoffs, with a track record of driving measurable improvements in approval rates, fraud performance, operational efficiency, and customer experience.
Benefits
- Fully remote work freedom
- 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 equipment to get the job done
- 401(k) for your future savings
- Quarterly meet-ups: In person & virtual fun
- Awesome Splash swag to flaunt your team spirit
Work Arrangement
Remote (Worldwide)
Additional Information
- Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer.
- Splash Financial will never ask for payment, banking details, or cryptocurrency as part of our hiring process.
- All legitimate job communications from Splash Financial will come from an @splashfinancial.com email address.
- We do not conduct interviews solely via text message or chat apps.
- Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial.
