Director of Credit

This is a fully remote position, open to applicants in United States.

📋 Description

• Take charge of analyzing credit portfolio performance across Splash’s lending products, while identifying emerging trends, risks, and opportunities.

• Develop and enhance credit strategies that balance growth, risk management, and customer experience.

• Lead analytical inquiries into portfolio performance, underwriting results, and borrower behavior.

• Collaborate with Data Science on the development of predictive models and risk frameworks.

• Work together with Product and Engineering teams to translate credit strategies into scalable underwriting policies, automated decision-making processes, and platform enhancements.

• Present strategic insights and recommendations to executive leadership, the internal Credit Committee, and external lending partners.

• Design and improve analytical tools, dashboards, and reporting frameworks for essential credit and portfolio metrics.

• Influence the company-wide risk strategy related to underwriting policies, portfolio management, and credit expansion.

⛳️ Requirements

• 8–12+ years of experience in credit risk, lending analytics, or credit strategy within the fintech, consumer lending, or financial services sector.

• Strong proficiency in credit portfolio analytics, underwriting strategy, and risk management.

• Advanced experience in handling large datasets and conducting statistical analysis using SQL and Python.

• Experience collaborating with data science teams on predictive modeling, machine learning, or risk model development.

• Demonstrated ability to convert complex analyses into clear strategic recommendations for senior leadership.

• Strong skills in cross-functional collaboration and the ability to influence stakeholders without direct authority.

• Bachelor’s degree in a quantitative field (e.g., mathematics, statistics, economics, engineering, finance).

• An advanced degree (Master’s or PhD) is 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.