Product Manager - Loan Servicing and Repayment

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.

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:

Splash Financial is seeking an experienced Product Manager to own the full post-approval lifecycle for our personal loan customers — from funding and disbursement through servicing and repayment. In this role, you will design and optimize the experiences that help borrowers receive their funds quickly, understand their obligations clearly, and repay their loans with confidence. You’ll partner closely with Engineering, Design, Operations, Risk, Servicing, and external lending partners to build simple, automated flows that reduce friction and errors. You’ll be responsible for creating a best-in-class repayment experience, including autopay, billing, hardship options, and payoff flows. As a key member of the product organization, you’ll use data and customer insights to drive decisions that improve NPS, reduce cost-to-serve, and lower delinquencies. This is a high-impact, highly visible role that sits at the heart of Splash’s mission to make people more powerful than their debt.

WHAT YOU’LL DO AT SPLASH:

• Own the product vision, strategy, and roadmap for servicing, loan repayment, and personal loan funding/disbursement across Splash’s platforms.
• Design and ship customer journeys for statements, autopay enrollment, payment scheduling, hardship programs, and payoff flows that are clear, compliant, and delightfully simple.
• Lead the build-out and optimization of funding and disbursement experiences, ensuring borrowers receive their funds quickly and reliably while meeting partner and regulatory requirements.
• Analyze funnel, servicing, and portfolio performance data to identify opportunities, define success metrics, prioritize the roadmap, and track impact over time.
• Collaborate closely with Engineering, Design, Servicing/Ops, Risk, Compliance, and external credit union/bank partners to deliver high-quality solutions on time and at scale.

WHAT YOU’LL BRING TO SPLASH:

• 6+ years of product management experience in consumer technology, with strong preference for experience in lending, payments, or financial services.
• Proven track record of shipping impactful products end-to-end, from discovery and requirements definition through launch, iteration, and ongoing optimization.
• Strong familiarity with loan servicing and repayment concepts (e.g., amortization, due dates, delinquency, payoffs, hardship) and/or payments infrastructure (ACH, cards, disbursements) is a plus.
• Data-driven decision maker who is comfortable working with analytics tools, defining KPIs, running experiments, and using insights to shape product direction.
• Excellent communication and collaboration skills, with the ability to “own it,” “raise the bar,” and “say the hard thing” while elevating teammates and partners along the way.

COMPENSATION:

The base salary range for this role is $140,000 to $185,000 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