Director of Credit

Splash Financial

2d•$180,000 - $220,000•Remote

About The Position

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.

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).

Nice To Haves

Advanced degree (Master’s or PhD) preferred.

Responsibilities

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.