Staff Product Manager - Verification & Underwriting

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