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Senior Manager of Credit Risk & Strategy

Splash Financial

Splash Financial

Posted on Thursday, August 31, 2023

About Our Company:

We got tired of seeing our friends and family struggle under the crushing weight of student loans. So in 2013, we did something about it. We made a marketplace filled with banks and credit unions looking to help student borrowers. We used that network to help people shut out of refinancing find a way in. And we did it all from a tiny office in Cleveland, OH. In other words: we built Splash Financial.
Today, we’ve become a national leader with over $6 billion in refi requests. We’re expanding into technologies like machine learning, and automated underwriting that helps us match consumers to great offers — right from their phone. And we’ve raised over $70 million from investors like DST Global, Citibank, Northwestern Mutual, DVP, CMFG Ventures 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.

About Our Workplace:

Splash is remote-first, and proud of it. We spend our days creating ways to simplify financial products, then get them into the hands of people who need help. Right now, we’re focused on developing financial technologies that fundamentally change the way the industry lends. And before you ask: no, we’re not a crypto thing. And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups, access to community and engagement tools. And although we’ve been around since 2013, we still love to think like a start-up — a place that empowers good people to do great things, fast. We’re friendly, folksy, and have Slack channels for both major league sports and minor league anime.
Also: we sometimes have free t-shirts.

About the Role:

Splash Financial is seeking a Senior Manager of Credit Risk & Strategy. The incumbent will be the key driving force behind Splash credit performance and responsible explosive growth in the next few years. The role will report directly to the Chief Credit Officer and work very closely with other senior leaders in Credit and Operations. The role will also have a lot of exposure to the executive team with plenty rooms to grow up to fully owning credit strategies and managing a team.

If you’re at a point in your career where you’re ready for the challenge and excitement of shaping a program and scaling it exponentially, this could be the role for you.

What you'll do at Splash:

  • Take over and improve the process to monitor credit trends to be highly surgical and precise.
  • 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 background and knowledge of credit trends to evaluate credit risk, do appropriate due diligence, and develop models with recommended solutions to move business in the right direction.
  • Collaborate with Data Science, Marketing, and Operations to obtain and share knowledge about credit performance, as well as risk and opportunities.
  • Collaborate with Finance and Sales to allow timely communication – both inbound and outbound – that forms high credibility from the lenders.
  • Build a robust, best-in-class control process to ensure any credit changes are justified and approved.

What you'll bring to Splash:

  • Highly quantitative. Knowledge in dealing with a lot of data and be very surgical.
  • Highly creative. Ability to think outside the box and challenge the status quo; exceptional quantitative skills to analyze data and how to extract the values to impact business outcomes.
  • Required 3-5 years direct experience in data queries using SQL and data analyses using python on your own.
  • Required 3-5 years direct experience in fintech or lending business; particularly in managing credit risk.
  • Have some 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; exceptional influential skills.
  • Hold a bachelor's degree in quantitative fields such as economics, econometrics, statistics, operations research. Master’s degree preferred.


  • Comprehensive and affordable insurance benefits
  • Unlimited paid time off policy
  • 401(k) contribution
  • 9 paid company holidays
  • Paid parental leave