Director of Loss Forecasting

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:

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.

COMPENSATION:

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.

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]