Product Manager

ABOUT OUR COMPANY: The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial. 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.. ABOUT OUR WORKPLACE: Splash is remote-first, and proud of it — though our collections team works in-person at our Arizona location. 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: We’re looking for a Product Manager to own lender integrations and consumer funnel optimization for Splash’s personal loan product. You’ll report to the Senior PM for Credit & Risk and work at the intersection of marketplace infrastructure and consumer experience—building experiences that directly impact approval rates, funded volume, and lender partner satisfaction. This isn’t a support role. You’ll own your domains end to end: collaborating on strategy, writing requirements, partnering with engineering squads, and using data (and increasingly, AI-powered tooling) to move faster and make better decisions. WHAT YOU’LL DO AT SPLASH: Own the onboarding of new lender partners to the risk and credit space, from scoping integrations to go-live Improve how borrower demand is matched and allocated across lender supply, and manage the integration pipeline cross-functionally Put borrowers first— build improvements to the customer’s offer experience Run experiments and funnel optimizations, partnering with design on research and A/B testing to improve conversion Use AI tools to accelerate your own workflow—drafting documents, synthesizing research, analyzing data, and automating repetitive tasks Partner with data science to translate model outputs into product experiences optimized for our lenders and our borrowers. WHAT YOU’LL BRING TO SPLASH: 3–4 years of product management experience, with at least 2 years in fintech, lending, or financial services Experience building consumer-facing and/or B2B2C products in a marketplace or platform environment Strong technical fluency—comfortable reading API documentation, writing SQL, and partnering with backend engineers on integration work Demonstrated ability to own a product area end to end: discovery, requirements, delivery, and iteration Data-driven decision-making with experience running experiments, analyzing funnels, and defining success metrics Familiarity with credit and lending concepts (underwriting, DTI, credit pulls, lender operations) or ability to ramp quickly Proficiency with AI-powered productivity tools (e.g., Claude, ChatGPT, Copilot, Cursor) to accelerate research, analysis, and documentation NICE TO HAVES: Experience with lender or partner integrations (APIs, file-based, co-branded flows) Background in credit unions, community banking, or lending marketplaces Exposure to ML-based underwriting, or credit models Experience building or consuming AI/ML features in a product context (not just using AI tools) Experience with decision engine technologies. COMPENSATION: The base salary range for this role is $100,000 to $145,000 annually, based on market data and internal compensation practices. Final compensation will be determined by factors such as location, experience, and skill level. SPLASHERS ENJOY: Fully remote work freedom (for most roles) 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 modern equipment to get the job done Fully paid Claude subscription to supercharge your work 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. JOB OFFER & RECRUITMENT SCAM NOTICE At Splash Financial, we want candidates to feel confident and safe throughout the hiring process. Unfortunately, scammers sometimes pose as employers to trick job seekers into sharing personal information or money. PLEASE BE AWARE: Splash Financial will never ask for payment , banking details, or cryptocurrency as part of our hiring process. All legitimate job communications from Splash Financial will come from an @splashfinancial.com email address. We do not conduct interviews solely via text message or chat apps. Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial. IF YOU RECEIVE A SUSPICIOUS MESSAGE: Do not respond or share personal information. Do not click on unknown links or download attachments. Report the message to [email protected]