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.

ABOUT THE ROLE:

Splash Financial is hiring a Collections Specialist who understands that a phone call about a past-due balance can either break trust or build it. You'll work directly with customers navigating real financial stress — helping them find a path forward through payment arrangements and hardship programs, while protecting the health of Splash's loan portfolio. This is a role for someone who takes pride in turning a hard conversation into a good outcome, who can hold a firm line while making a customer feel genuinely supported, and who sees every interaction as a chance to represent Splash at its best.

You'll collaborate closely with internal teams to share customer insights, flag emerging trends, and help shape the programs and policies that make a real difference for borrowers. If you're motivated by solving problems, hitting goals, and making a measurable impact — this is the role for you.

This is a full-time, in-person role based in our Mesa, AZ office. Candidates must be located in the Greater Phoenix Area. Hours are Monday through Friday, 8:00am–5:00pm (Standard Time) and 9:00am–6:00pm (Daylight Saving Time).

WHAT YOU’LL DO AT SPLASH:

• Handle inbound customer inquiries via phone, email, and chat with professionalism and empathy.
• Make outbound contact with past-due customers to secure payments or establish payment arrangements.
• Assess customers' financial situations and offer appropriate hardship programs.
• Resolve loan concerns and questions, aiming for first-contact resolution.
• Accurately document all interactions in our CRM to maintain clean records and support continuous improvement.
• Surface customer insights and trends to management to help improve products, policies, and operations.
• Follow up on open issues to ensure timely resolution and high customer satisfaction.
  
  

WHAT YOU’LL BRING TO SPLASH:

• 1–2+ years of collections, loan servicing, or financial services experience.
• Strong verbal and written communication skills — you can deliver difficult news with clarity and care.
• Comfort navigating CRM platforms and a generally tech-savvy mindset.
• Proficiency in Microsoft Office or Google Suite.
• Ability to manage competing priorities without dropping the ball.
• A problem-solving attitude and a genuine customer-first approach.

COMPENSATION:

The base pay for this role is $21.00 per hour, based on market data and internal compensation practices. This role may also be eligible for an incentive program based on performance.