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..
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 Senior Credit Manager. The incumbent will be the key driving force behind Splash’s credit performance and responsible for explosive growth in the next few years. The role will report directly to the Chief Data Science & Credit Officer and work very closely with other senior leaders in Credit and Operations. The role will also have frequent exposure to the executive team with plenty room to grow into fully owning credit strategies and managing a team.
WHAT YOU’LL DO AT SPLASH:
- Own and improve the process to monitor credit trends.
- Identify risks and opportunities to ensure we hit or beat our credit expectations through robust quantitative analyses, while still supporting our growth plan.
- Present proposals to the Credit Committee, as well as our lending partners.
- Utilize extensive knowledge of credit trends to evaluate credit risk, perform appropriate due diligence, and develop models with recommended solutions so business moves in the right direction.
WHAT YOU’LL BRING TO SPLASH:
- Highly quantitative - naturally curious and knows how to handle an abundance of data.
- Highly creative - has the ability to think outside the box and challenge the status quo.
- 3-5 years of direct experience in data queries and analysis using SQL and Python is REQUIRED
- 3-5 years of direct experience in fintech or lending business; particularly in managing credit risk is REQUIRED.
- Experience in building machine learning models using python is a big PLUS.
- Open minded, collaborative, proactive and articulate – able to work with cross-functional partners and executive stakeholders and effectively communicate findings and proposals.
- Hold a bachelor's degree in quantitative fields; Master’s degree preferred.
COMPENSATION:
The base salary range for this role is $170,000 to $210,000 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.
SPLASHERS ENJOY:
- 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
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.
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