Staff Product Manager - Verification & Underwriting

ABOUT THE ROLE:

Splash Financial is seeking a Staff Product Manager to lead the underwriting and verification experience across our personal lending funnel. This is a high-impact, high-visibility role responsible for defining and scaling the systems that power credit decisioning, fraud detection, income and identity verification, document automation, and agent workflows.

You will own the product strategy for underwriting infrastructure and decision engines that directly influence approval rates, fraud loss, operational efficiency, and customer experience. This role requires not only deep expertise in credit and fraud tooling, but also strong empathy for and experience working closely with underwriting agents and operations teams. You will design systems that improve straight-through processing while equipping agents with intuitive tools for efficient, compliant manual review.

You'll work at the intersection of Product, Risk, Fraud, Engineering, Data Science, Compliance, and Operations to modernize our underwriting stack - including third-party data providers, document processing tools, automated decisioning platforms, and internal agent tooling.

WHAT YOU'LL DO AT SPLASH:

• 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.

WHAT YOU'LL BRING TO SPLASH:

• 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.

COMPENSATION:

The base salary range for this role is $163,000 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.