Director of Credit

ABOUT OUR COMPANY:

The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial.

Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $70 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners and more.

But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started.

ABOUT OUR WORKPLACE:

Splash is remote-first, and proud of it.

We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.

Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work, and we approach challenges with creativity, passion, and urgency.

And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.

At Splash, everything we do is guided by our values:

Own It – We take full accountability and follow through on commitments.

Raise the Bar – We move fast, innovate faster, and push through barriers.

Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.

Elevate Each Other – We win as a team by lifting each other up.

These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food, because we believe being human makes us better teammates.

ABOUT THE ROLE:

Splash Financial is seeking a Director of Credit to drive the company’s credit performance and help shape the next phase of our lending platform’s growth. Reporting to the VP of Credit, this individual contributor role will operate as a senior thought partner to leadership across Credit, Data Science, Product, and Operations.

You will own the analytical and strategic work that informs Splash’s credit policies, risk frameworks, and portfolio strategy across our lending products. This role is ideal for a highly analytical credit leader who enjoys solving complex problems, influencing decision-making, and building scalable credit strategies in a fast-growing fintech environment.

WHAT YOU’LL DO AT SPLASH:

• 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.

WHAT YOU’LL BRING TO SPLASH:

• 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.

COMPENSATION:

The base salary range for this role is $180,000 to $220,000 annually, based on market data and internal compensation practices. This role may also be eligible for a bonus component tied to individual and company performance. Final compensation will be determined by factors such as location, experience, and skill level.