Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners, and more.
But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started..
Splash is remote-first, and proud of it.
We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.
Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency.
And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.
At Splash, everything we do is guided by our values:
Own It – We take full accountability and follow through on commitments.
Raise the Bar – We move fast, innovate faster, and push through barriers.
Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.
Elevate Each Other – We win as a team by lifting each other up.
These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food because we believe being human makes us better teammates.
ABOUT THE ROLE:
The Director of Loss Forecasting plays a critical role in shaping Splash Financial’s credit strategy and long-term performance. This leader owns the development and evolution of loss forecasting methodologies that directly inform executive decision-making, lender confidence, and portfolio growth.
In this highly visible role, you will partner closely with senior leadership, lending partners, and cross-functional teams to deliver accurate, transparent, and actionable forecasts. As Splash continues to expand its product offerings, this role will evolve in scope and complexity, offering the opportunity to drive innovation and influence strategy at scale.
If you’re energized by using data to guide high-stakes decisions and enjoy operating at the intersection of analytics, risk, and business strategy, this role offers meaningful impact and growth.
WHAT YOU’LL DO AT SPLASH:
- Own and evolve loss forecasting methodologies across Splash’s lending products, incorporating both macroeconomic and portfolio-level drivers.
- Identify and analyze key risk drivers using advanced statistical and quantitative techniques to improve forecast accuracy and reliability.
- Translate complex modeling outputs into clear, actionable insights for executive leadership and lender partners.
- Partner cross-functionally with Data Science, Credit, Finance, Servicing, and Product teams to align forecasting outputs with credit and collection strategies.
- Monitor model performance and recalibrate forecasts based on portfolio behavior, economic conditions, and business changes.
- Build and enhance dashboards and reporting that improve forecast transparency, interpretability, and stakeholder trust.
- Lead innovation in forecasting approaches, tools, and technologies to stay ahead of industry best practices.
- Drive strategic initiatives related to risk mitigation, portfolio optimization, and business growth.
- Serve as a trusted advisor to senior leaders and external partners on loss outlooks and risk trade-offs.
- Support new product launches by ensuring scalable, well-designed loss forecasting frameworks are in place.
WHAT YOU’LL BRING TO SPLASH:
- Advanced degree (Master’s or PhD) in Statistics, Data Science, Economics, Mathematics, or a related quantitative field.
- 8+ years of experience in loss forecasting, credit risk modeling, or a closely related role within financial services or lending.
- Strong understanding of statistical modeling techniques, including regression, time series, and machine learning methods, with the ability to guide model selection and application.
- Proficiency in Python is a strong plus, including experience using Python-based analytics or modeling workflows to explore data, validate assumptions, or partner effectively with data science teams.
- Deep knowledge of credit risk fundamentals and macroeconomic drivers impacting consumer lending portfolios.
- Experience working with large, complex datasets and collaborating closely with data science teams.
- Strong business judgment and the ability to connect analytical insights to strategic and financial outcomes.
- Excellent communication skills, with experience presenting complex analyses to executive audiences and external partners.
- Proven ability to work cross-functionally and influence stakeholders across disciplines.
- Demonstrated leadership in driving analytical initiatives, managing projects, or mentoring team members.
- Curiosity and innovation mindset, with a desire to continuously improve forecasting approaches and tools.
- Comfort operating in a fast-growing, evolving environment with increasing product and portfolio complexity.
The base salary range for this role is $180,000 - $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.
SPLASHERS ENJOY:
- Fully remote work freedom
- Competitive salary packages
- Flexible PTO + 9 company holidays
- Equity: Share in our start-up success
- Comprehensive and affordable insurance benefits
- Paid parental leave for both caregivers
- Essential equipment to get the job done
- 401(k) for your future savings
- Quarterly meet-ups: In person & virtual fun
- Awesome Splash swag to flaunt your team spirit
Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer.
Top Skills
What We Do
We got tired of seeing our friends and family struggle under the crushing weight of debt. So in 2013, we did something about it.
We built a marketplace filled with banks and credit unions looking to help people refinance their student loans. We used that network to bring people great rates. And we did it all from a tiny office in Cleveland, OH.
In other words: we started Splash Financial.
Since then, we’ve become a national leader in student loan refinancing. We’ve opened over 100,000 accounts, and handled over $6 billion in refinancing requests. Plus, we’ve successfully launched personal loans, with the same commitment of service to our customers.
At the end of the day, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt.
Why Work With Us
Splash is remote-first, and proud of it. We spend our days focused on developing financial technologies that fundamentally change the way the industry lends. We’re friendly, folksy, and we’re good people who want to make a difference in the financial landscape, and we approach tackling challenges with creativity, passion and urgency.
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