Splash Financial

• 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.

• Own complex, multi-engineer and cross-team projects from design to delivery. • Build and scale APIs that power our products and support continued growth. • Proactively identify opportunities to improve architecture, performance, and team efficiency. • Write clean, well-tested code and contribute to robust CI/CD pipelines. • Collaborate closely with engineers, product managers, and designers to deliver impactful solutions. • Mentor teammates and help raise the technical bar across the organization. • Participate in on-call rotations and ensure system reliability. • Actively engage in our remote-first, collaborative culture with open communication and shared accountability.

• Own design for assigned product workstreams: Take features from problem framing through high-fidelity Figma deliverables; define information architecture, user flows, and interaction patterns; work collaboratively with Product and Engineering across the full product development lifecycle. • Conduct and synthesize user research to inform your work: Run or facilitate usability sessions and customer interviews; synthesize behavioral data, NPS feedback, and qualitative signals to validate design decisions and identify friction points. • Build on and contribute to our design system: Work within established component libraries; identify gaps and contribute new patterns that are consistent, scalable, and accessible. Design for trust, clarity, and compliance in a regulated context. • Iterate rapidly based on stakeholder and data feedback: Move quickly from concept to prototype; run low-fidelity and high-fidelity reviews with Product, Engineering, and leadership. • Design AI-powered and AI-assisted product experiences; Contribute to experiences that incorporate AI features (e.g., personalized recommendations, intelligent form assistance, conversational flows); design clearly around AI outputs, uncertainty, and error states to maintain user trust. • Use AI tools to accelerate your own design workflow: Leverage AI-assisted design tools (e.g., Figma Make) to speed up exploration, generate initial concepts, and prototype faster.

• Own experimentation and test analytics: Design, implement, and analyze A/B and multivariate tests across the product experience, including funnel optimizations to new feature launches • Build and maintain core product & business dashboards: Develop, automate, and continuously improve dashboards and reporting that track key product, funnel, and customer metrics; make it easy for PMs and leaders to self-serve insights and monitor performance. • Lead product analytics tooling and instrumentation: Own the roadmap, governance, and best practices for our product analytics stack (event schemas, tracking plans, data quality); partner closely with Product and Engineering to ensure every new feature ships with the right instrumentation and metrics. • Create and evolve a customer 360 view: Bring together product usage, marketing, servicing data into a holistic view of the customer journey; identify segments, behaviors, and opportunities that drive acquisition, conversion, engagement, and long-term value. • Translate customer feedback & data into actionable insights: Combine quantitative analysis (funnels, experiments) with qualitative signals (surveys, NPS, interviews, customer service calls and tickets) to surface insights and recommendations that shape product strategy and prioritization. • Own lightweight customer research programs: Lead customer surveys, NPS programs, and usability interview syntheses; conduct competitive and market analysis; translate qualitative findings into product recommendations that complement quantitative work • Leverage AI tools to accelerate analysis and insight generation: Actively use AI-powered tools (e.g.- LLM-assisted data exploration, AI-enhanced analytics platforms) to increase the speed and depth of analysis; help the team develop frameworks for where AI can improve experimentation, personalization, and product decisions

Title: Collections Specialist Location: Mesa, Arizona 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: Splash Financial is hiring a Collections Specialist who understands that a phone call about a past-due balance can either break trust or build it. You'll work directly with customers navigating real financial stress — helping them find a path forward through payment arrangements and hardship programs, while protecting the health of Splash's loan portfolio. This is a role for someone who takes pride in turning a hard conversation into a good outcome, who can hold a firm line while making a customer feel genuinely supported, and who sees every interaction as a chance to represent Splash at its best. You'll collaborate closely with internal teams to share customer insights, flag emerging trends, and help shape the programs and policies that make a real difference for borrowers. If you're motivated by solving problems, hitting goals, and making a measurable impact — this is the role for you. This is a full-time, in-person role based in our Mesa, AZ office. Candidates must be located in the Greater Phoenix Area. Hours are Monday through Friday, 8:00am–5:00pm (Standard Time) and 9:00am–6:00pm (Daylight Saving Time). WHAT YOU’LL DO AT SPLASH: - Handle inbound customer inquiries via phone, email, and chat with professionalism and empathy. - Make outbound contact with past-due customers to secure payments or establish payment arrangements. - Assess customers' financial situations and offer appropriate hardship programs. - Resolve loan concerns and questions, aiming for first-contact resolution. - Accurately document all interactions in our CRM to maintain clean records and support continuous improvement. - Surface customer insights and trends to management to help improve products, policies, and operations. - Follow up on open issues to ensure timely resolution and high customer satisfaction. WHAT YOU’LL BRING TO SPLASH: - 1–2+ years of collections, loan servicing, or financial services experience. - Strong verbal and written communication skills — you can deliver difficult news with clarity and care. - Comfort navigating CRM platforms and a generally tech-savvy mindset. - Proficiency in Microsoft Office or Google Suite. - Ability to manage competing priorities without dropping the ball. - A problem-solving attitude and a genuine customer-first approach. COMPENSATION: The base pay for this role is $21.00 per hour, based on market data and internal compensation practices. This role may also be eligible for an incentive program based on performance. 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.

Role Description Splash Financial is seeking a highly skilled and experienced Principal Data Engineer to design and implement a scalable, reliable, and high-performance data platform. In this role, you will be responsible for developing data models, architecting robust big data systems, and ensuring scalability and fault tolerance across our data ecosystem. What You’ll Do at Splash - Design and implement end-to-end big data solutions that meet functional and non-functional requirements, focusing on scalability, reliability, and performance. - Design logical and physical data models for structured, semi-structured, and unstructured data. - Work closely with engineering, data science, product, and infrastructure teams to ensure seamless data flow and system interoperability. - Optimize storage and processing layers for performance and cost-efficiency. - Ensure high availability and disaster recovery for the data platform. - Establish data governance standards including data quality, metadata management, and lineage tracking. - Conduct performance tuning and capacity planning for large-scale data environments. - Evaluate and recommend tools, frameworks, and technologies to enhance the data ecosystem. - Mentor junior data engineers and provide architectural guidance to cross-functional teams. Qualifications - Bachelor’s or Master’s degree in Computer Science, Data Engineering, or related field. - 10+ years of experience in big data architecture and data engineering roles. - Strong proficiency with big data technologies: Hadoop, Spark, Kafka, Hive, Presto, Flink, etc. - Expertise in data modeling, warehousing solutions (e.g. Snowflake, Databricks, BigQuery), and distributed systems. - Hands-on experience with cloud platforms (AWS preferred) and infrastructure-as-code (Terraform). - Knowledge of data privacy and financial data compliance regulations. - Excellent problem-solving and communication skills. - Experience in the lending/credit or broader financial services industry. - Experience using Fivetran, Dbt, Airflow and Snowflake. - Familiarity with MLOps tools (MLflow, Kubeflow) and real-time analytics. Requirements - Strong background in data engineering, distributed systems, and cloud infrastructure. - Deep understanding of best practices in data modeling, system architecture, and data governance. Benefits - 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.

• Own end-to-end project management for complex, cross-functional product initiatives—from initial scoping and planning through launch and post-release follow-up. • Design, run, and refine our PDLC processes, including standard artifacts (e.g., problem statements, business cases, PRDs/requirements, experiment designs, launch plans, and post-launch reviews) that create clarity and alignment at each stage. • Implement, administer, and continuously improve our product roadmap tool and workflows, maintaining a single source of truth that ties initiatives to OKRs, milestones, dependencies, and status. • Build and maintain clear portfolio-level visibility (dashboards, reports, and cadences) into OKR progress and initiative health for product leadership and cross-functional stakeholders. • Proactively identify and manage cross-team dependencies, risks, and blockers—facilitating decision-making and escalation to keep high-priority work on track. • Standardize and continuously improve product delivery practices, tools, and templates so teams can execute with greater predictability, transparency, and quality.

• Own credit portfolio performance analysis across our lending products, identifying emerging trends, risks, and opportunities to improve portfolio outcomes. • Develop and refine credit strategies that balance growth, risk management, and customer experience. • Lead deep analytical investigations into portfolio performance, underwriting outcomes, and borrower behavior to inform strategic decisions. • Partner closely with Data Science to guide the development and implementation of predictive models and risk frameworks. • Collaborate with Product and Engineering teams to translate credit strategy into scalable underwriting policies, automated decisioning, and platform capabilities. • Present strategic insights and recommendations to executive leadership, internal Credit Committee, and external lending partners. • Design and enhance analytical tools, dashboards, and reporting frameworks to improve visibility into key credit and portfolio metrics. • Influence company-wide risk strategy by providing expert perspective on underwriting policies, portfolio management, and credit expansion opportunities.

• 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.

• Create and maintain a shared data definition for key business and product concepts to ensure alignment between Engineering and business teams. • Document and socialize metric definitions, entity definitions, and core logic. • Document each dataset and its purpose. Capture key metadata: primary identifiers, join keys, refresh cadence, source system/vendor, and known limitations. • Support critical dashboards and the underlying data models by confirming data flows, identifying nuances, and validating logic with Engineering. • Create and maintain dashboards that monitor metrics across third-party products/vendors. • Assist with UAT by creating comparison queries, validating outputs across systems, and investigating discrepancies. • Inventory existing datasets and group them into clear subject areas (e.g., applications, servicing, marketing). • Partner with Product to convert repeat ad-hoc questions into reusable reporting (tables, views, dashboards).