Splash Financial is a company focused on helping people manage their debt through innovative financial technologies. They are seeking a Staff Product Manager to lead the underwriting and verification experience, responsible for defining and scaling systems that enhance credit decisioning, fraud detection, and operational efficiency.
Responsibilities:
- Own the end-to-end underwriting and verification product domain across credit, fraud, income, identity decisioning, and agent review workflows within the personal lending funnel
- Define and execute the multi-quarter roadmap for decision engines, including rule orchestration, model deployment, experimentation frameworks, and automation strategy
- Lead integrations and optimization of third-party data providers such as LexisNexis, Socure (or similar), credit bureaus, fraud/identity vendors, and income verification partners
- Drive implementation and scaling of document processing and automation platforms (e.g.- Inscribe, Ocrolus, Instabase) to increase straight-through processing and reduce manual review dependency
- Partner closely with underwriting agents and operations teams to design intuitive tooling, case management workflows, and review experiences that improve efficiency, quality, and compliance
Requirements:
- 8-10+ years of product management experience, with significant focus on underwriting, credit, fraud, or decisioning platforms in fintech or consumer lending
- Deep experience with credit underwriting systems and fraud decisioning tools, including hands-on experience implementing or managing decision engines
- Experience integrating and optimizing third-party data providers
- Strong structured thinking and execution excellence. You can translate strategy into a clear plan, define meaningful milestones and metrics, and deliver consistently
- You have strong analytical skills and can surface insights and recommendations from customer feedback and performance dashboards
- Excellent communication and stakeholder management skills; you're comfortable driving alignment across senior leaders and diverse teams, saying the hard thing with clarity and respect, and elevating others as you go
- Demonstrated experience building or improving agent-facing underwriting tools and workflows, with a strong understanding of manual review operations, queue management, case handling, and quality controls
- Strong understanding of underwriting workflows, risk-based decisioning, experimentation, and operational tradeoffs, with a track record of driving measurable improvements in approval rates, fraud performance, operational efficiency, and customer experience