Director of Credit

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Splash Financial

WebsiteLinkedInAll Job Openings

51 - 200 employees

💼 Consulting

🏥 Healthcare

🛡️ Insurance

Consulting • Healthcare • Insurance

Splash Financial is a company that offers a variety of loan products, including personal loans, student loan refinancing, in-school student loans, and medical school loan refinancing. The company provides a platform where users can compare loan offers from multiple lenders across the United States. Splash Financial emphasizes ease of use, allowing users to check loan rates quickly without affecting their credit scores. The company ensures data privacy and offers customer support to assist with the loan process. It serves individuals seeking to manage debt or finance educational expenses through tailored loan solutions.

📋 Description

• 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

• 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

• 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