Splitero

• Lead and support a team responsible for producing accurate, timely, and high-quality underwriting decisions • Hands-on coaching and performance management for team members • Shape team operations through clearer processes and ongoing improvements • Partner with Processing and People Ops to ensure smooth workflow • Accountable for driving quality and meeting underwriting standards • Oversee performance management and complete performance reviews • Cultivate a positive team culture and engage employees • Train and onboard new hires • Manage team projects and organize meetings • Analyze data and produce valuable insights for leadership • Manage and coach to underwriting quality KPIs

• Manage all talent acquisition efforts and lead hiring teams to source, screen, interview, and present offers to qualified candidates • Oversee all performance management for team members, including coaching conversations, formal coaching plans, and PIPs, ensuring proper alignment with People Ops and leadership before any formal action is initiated • Cultivate and maintain a positive team culture; plan proactive employee engagement initiatives and solve conflict interfering with the work environment • Train and onboard all new hires to ramp efficiently, and provide ongoing opportunities for learning and growth, acting as an advocate for every team member’s continued development • Lead projects related to their team; thoroughly scope, create timelines and resource needs, organize meetings, delegate tasks, collaborate cross-functionally, and provide upward and downward communication related to project goals, updates, and roadblocks • Manage the pipeline and workload for all team members, ensuring high performance across all team members • Partner with and direct the Processing Team Lead on daily pipeline execution, file reallocation, and onboarding, maintaining clear separation between Team Lead coaching responsibilities and manager-owned performance actions • Own development, implementation, and changes to policies and procedures • Connect company-wide goals with department-level action items on a quarterly basis and steering department and individual contributor goals • Analyze data related to their area, produce valuable insights, and present to leadership • Act as the main point of contact for escalations and team member questions, providing quality control and teachable opportunities across the team • Conduct regular call listening audits to assess communication quality, condition request clarity, and homeowner experience, using findings to coach and develop individual processors

Role Description As a Processor at Splitero, you will support homeowners who have applied for our Home Equity Investment (HEI), a modern alternative to traditional financing with no income requirements or monthly payments, by preparing files for underwriter review. In this fast-paced, performance-driven role, you’ll take ownership of your pipeline and consistently work to meet and exceed production targets. This position blends traditional processing with elements of underwriting and sales, requiring a proactive, detail-oriented, tech-savvy professional with title curative knowledge who can multitask effectively while delivering a stellar experience to the homeowners you help. - Reviewing applications and supporting documentation to ensure completeness and accuracy - Proactively communicating with homeowners, teammates, and third-party vendors to discuss file-related items, set expectations, and obtain missing or incomplete documentation - Ordering and reviewing information from various third-party vendors, including title reports, valuations, and credit reports - Thoroughly processing and preparing files for underwriter review, ensuring each submission is clean, complete, and accurate - Proactively driving UW-conditioned items forward through to closing in compliance with Splitero guidelines, policies, and procedures - Working cross-functionally with team members to deliver a seamless homeowner experience from file submission through closing - Managing and prioritizing a pipeline of homeowners in various stages of the approval and funding process - Meeting or exceeding established production goals, Key Performance Metrics, and standards Qualifications - 3+ years of experience in loan processing - Familiarity with home equity investments is a plus - Experience using a robust CRM such as Salesforce - Experience working with mortgage and real estate third-party vendors including title, valuation, and credit - Experience working in a service-oriented role with high-volume customer contact - Strong verbal and written customer service skills - Communication skills that go beyond the basics, including active listening and the ability to convey complex information clearly - Strong ability to independently problem solve, prioritize, and manage your workload to meet deadlines - A team-first mentality with a genuine enthusiasm for fast-paced environments Benefits - Comprehensive healthcare plans for you and your family, eligible from the first day - Flexible PTO and a generous parental leave policy - Monthly cell and internet stipend - Access to any WeWork location Company Description Millions of homeowners in today’s economy are sitting on substantial home equity that they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. Splitero was created to help those homeowners access their home equity without making monthly payments like traditional financing options. - We foster a culture of transparency, innovation, and inclusivity - We believe in celebrating our successes and helping each other grow as a team and as individuals - We are committed to inclusion and providing reasonable accommodations for individuals with disabilities

• Lead, coach, and develop a team of Wholesale Account Executives focused on broker acquisition, onboarding, and production growth • Build and maintain long-term relationships with broker accounts and key Loan Officers across approved states • Establish performance expectations, monitor pipelines, and drive accountability across the Wholesale team to achieve and exceed sales goals • Train and educate brokers on Splitero’s Home Equity Investment product, guidelines, processes, and operational workflows • Serve as an escalation point and trusted resource for brokers, Loan Officers, and internal teams to resolve complex scenarios and deliver solutions • Partner closely with Processing, Underwriting, Closing, Legal, and Finance teams to ensure a smooth and compliant origination process • Analyze broker performance, pipeline conversion, and operational metrics to identify opportunities for growth and efficiency • Develop scalable policies, procedures, reporting, and operational best practices to support channel expansion • Lead onboarding and training initiatives for new brokers and new Wholesale team members • Monitor broker engagement and production trends to proactively improve pull-through and partner retention • Collaborate with leadership on strategic initiatives, territory planning, compensation structures, and channel growth opportunities • Deliver regular business reviews and pipeline insights to Sales Leadership • Champion a high-performance, collaborative culture focused on accountability, responsiveness, and white-glove partner support • Act as the voice of the broker internally, advocating for improvements that enhance the partner and homeowner experience

Role Description As an Underwriter at Splitero, you will make risk assessment decisions on applications for our Home Equity Investment (HEI) product, a modern alternative to traditional financing with no income requirements or monthly payments. In this pivotal role, you will analyze risk factors against our underwriting guidelines, policies, and procedures, and partner closely with our Processing team and homeowners to bring files to closing with clarity and purpose. - Own your pipeline from initial review through final approval, maintaining a consistent daily review cadence and meeting quality standards measured through regular QA review of your files. - Identify the right conditions for each file: purposeful, proportionate, and defensible, and communicate the reasoning clearly to processors and homeowners. - Ensure title to the property is free of restrictions, leases, liens, and other encumbrances, and identify the specific conditions needed to cure any title issues. - Conduct thorough appraisal reviews, identifying value concerns, property condition flags, and comparables that may affect the investment decision. - Review and analyze loan modifications to assess their impact on lien position, product features, and eligibility. - Review trust documentation to confirm vesting, trustee authority, and compliance with Splitero guidelines. - Monitor and approve that all conditions are met prior to funding. The salary range for this position is $90,000 - $110,000 per year. Within the range, individual pay is determined by job-related skills, experience, and relevant education or training. Qualifications - 3+ years of experience underwriting residential real estate or home equity products. - Deep experience reviewing and analyzing credit reports, property title reports, appraisal reports, mortgage statements, deeds of trust, and recorded instruments such as loan modification agreements and UCC filings. - Strong title curative knowledge: you understand what specific conditions are needed to resolve liens, encumbrances, and title exceptions, and you can explain the why clearly. - Strong appraisal review skills, including the ability to identify value concerns, property condition issues, and unsupported comparables. - Solid understanding of loan modifications, including their impact on lien position, product features, and how they factor into the underwriting decision. - Trust review experience is a significant plus, with familiarity with trust vesting, trustee authority, and the documentation needed to confirm homeowner eligibility. - A calibrated, purposeful approach to conditioning: you ask what each condition is curing, condition with precision, and can provide your reasoning to processors and sales in plain language. - A collaborative communicator who sees processors and homeowners as partners and gives context with every condition, not just a list. - A creative problem solver who approaches complex files with curiosity and finds ways to get homeowners across the finish line. - Experience with loan processing systems or robust CRM systems such as Salesforce. - Incredible attention to detail, ensuring accuracy and thoroughness in every aspect of your work. - The ability to work efficiently and independently on your pipeline. - Availability to work until 6pm PST strongly preferred. - Adaptability: Embraces change with resilience and positivity. - Team Oriented: Prioritizes collaboration, inclusivity, and teammate support. Benefits - Fully Remote Team - Our remote-first culture allows us to hire the best people, regardless of location. - OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. - Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend. - Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day. - Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry.

• Prospect for and identify new referral partners, including mortgage brokers, real estate agents, financial planners, and credit unions, within assigned territories or verticals. • Conduct outbound outreach via phone, email, and social media to introduce Splitero's HEI product and value proposition to prospective partners. • Qualify and onboard new wholesale partners, ensuring they have the tools, training, and resources needed to submit and close deals. • Educate partners on Splitero's guidelines, pricing, and processes through product presentations, webinars, and one-on-one calls. • Maintain consistent follow-up cadences with both prospective and existing partners to drive pipeline activity and deal flow. • Collaborate with Account Executives to transition warm, high-potential partner relationships and ensure a seamless handoff. • Track all partner interactions, pipeline activity, and deal flow accurately in Salesforce CRM. • Participate in industry events, trade shows, and networking opportunities to build brand presence and generate new partner leads. • Provide field feedback to the Marketing and Product teams to help shape messaging, collateral, and product development. • Meet and exceed monthly and quarterly KPIs, including outreach activity, new partners onboarded, and funded deal volume sourced.

• We are seeking a strategic, data-driven Director of Revenue Operations to lead and optimize our revenue engine across marketing, sales, and homeowner success. • In this role, you will design the processes, data systems, and analytics needed to maximize growth and deliver a seamless homeowner journey, from initial lead to funding and beyond. • You will own the end-to-end revenue lifecycle, ensuring we have the processes, technology, and data integrity to accelerate decision-making and maximize our return on growth investments. • You will analyze and share insights about our production teams to improve efficiency by designing and implementing workflows and processes that increase lead-to-origination speed while maintaining accuracy. • You will report to the Vice President of Sales and work closely with the Executive leadership team, Engineering, Product Managers, Marketing, and Production.

About the Job As Splitero's Applied AI Engineer, you will own the identification, scoping, and delivery of AI-powered capabilities across our product and operations. You'll sit within the engineering organization but operate cross-functionally, partnering with product, operations, and business teams to identify where AI creates real leverage, then build it. Splitero sits at the intersection of financial services and property technology, and our product and engineering teams are at the center of that innovation every day. In this role, you'll work directly with our sales, processing, underwriting, closing, and servicing teams to identify, scope, and execute opportunities to streamline and automate their workflows as we scale. On the engineering side, you'll champion AI-first development, educate the team on emerging tooling, and lead technical initiatives that drive the organization forward. You'll spend your time shipping working AI solutions into production by automating workflows, augmenting our product experience, and helping Splitero move faster and smarter as a business. You will have a strong understanding of when supervised AI outweighs the risk of full automation. You're as comfortable standing up a low-code n8n automation as you are writing clean code, and you know when each approach is the right one. At Splitero, we move fast, and the ideal candidate thrives in that environment. You default to the simplest path to a working solution, prototype quickly using every tool available to you, and have the engineering discipline to know when something needs to be rebuilt properly before it goes to production. Responsibilities: - AI Discovery & Strategy - Socialize AI capabilities, limitations, and roadmap across the org, acting as an internal resource and thought leader on what's possible. - Maintain a prioritized backlog of AI opportunities across the business, triaging ideas from leadership, product, and operations into scoped, deliverable workstreams. - Define AI initiatives end-to-end: problem framing, data requirements, build vs. buy decisions, and measurable success criteria. - Stay current on the AI tooling landscape and recommend adoption where it meaningfully improves velocity, quality, or competitive positioning. - Building & Delivery - Build, integrate, and maintain AI-powered features and workflows, leveraging LLM APIs (OpenAI, Anthropic, etc.), RAG pipelines, and agentic frameworks. - Develop automation workflows using low/no-code orchestration tools (n8n, Make) to deliver AI solutions rapidly without requiring full engineering cycles. - Integrate AI capabilities into existing systems and codebases in close partnership with the product and engineering teams. - Own the full AI development lifecycle, including prototyping, evaluation, deployment, monitoring, and iteration, with support from engineering, product, and operational teams. - Cross-Functional Partnership - Partner with product to translate user problems into AI-driven features and experiences. - Embed within operations and business teams to identify workflow automation and efficiency opportunities. - Collaborate with engineering to ensure AI integrations meet production standards for reliability, maintainability, and security. - Document and communicate AI implementations clearly so the broader team can support and build on them. Reporting Structure - Reports directly to the VP of Product and Engineering - Embedded within the product engineering team, works cross-functionally across Salesforce, product, operations, and business functions The salary range for this position is $135,000 - $175,000. Within the range, individual pay is determined by job-related skills, experience, and relevant education or training. About You - 6+ years in software engineering with at least 2 years of focused experience building production AI or LLM-powered applications - Hands-on experience with LLM APIs, prompt engineering, retrieval-augmented generation (RAG), and agentic workflow design. You are on the bleeding edge of the latest releases and advancements in AI platforms. - Demonstrated experience evaluating, advocating, and operationalizing AI tooling across an organization - Proficiency with low/no-code orchestration platforms (n8n, Make, Zapier) to prototype and deliver AI workflows rapidly - Comfortable with AI-assisted development tools (Claude Code, Cursor, GitHub Copilot, etc.) to accelerate build cycles, with the judgment to write clean, maintainable code when it matters. You are not a vibe coder; you leverage your engineering background to balance speed with quality using AI-based tooling. - Strong backend or full-stack engineering fundamentals; you integrate AI into real systems, not just prototypes - Fluency in Python, TypeScript/Node.js, or similar; familiarity with PostgreSQL and cloud deployment platforms (AWS, Vercel, or similar) - Experience with multi-agent frameworks (LangChain, LlamaIndex, or similar) - Familiarity with vector databases, embedding pipelines, and evaluation frameworks for LLM outputs - Self-directed and comfortable operating as a team of one. You run your own backlog and don't need a fully defined spec to get started and validate business use cases - Strong communicator who can translate technical AI concepts for non-technical stakeholders across the org Preferred: - Experience in fintech, proptech, or real estate technology — particularly products handling sensitive financial data or consumer lending. - Knowledge of SOC 2 or data privacy frameworks relevant to financial and personal data. About Us Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives. Splitero co-founders Michael Gifford and David Zvaifler witnessed the problem firsthand throughout their real estate careers. They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. And thus, Splitero was born. As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life. - Fully Remote Team - Our remote-first culture allows us to hire the best people, regardless of location. - OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals. - Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend. - Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day. - Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry. We are a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities. In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at peopleops@splitero.com.

• AI Discovery & Strategy • Socialize AI capabilities, limitations, and roadmap across the org, acting as an internal resource and thought leader on what's possible. • Maintain a prioritized backlog of AI opportunities across the business, triaging ideas from leadership, product, and operations into scoped, deliverable workstreams. • Define AI initiatives end-to-end: problem framing, data requirements, build vs. buy decisions, and measurable success criteria. • Stay current on the AI tooling landscape and recommend adoption where it meaningfully improves velocity, quality, or competitive positioning. • Building & Delivery • Build, integrate, and maintain AI-powered features and workflows, leveraging LLM APIs (OpenAI, Anthropic, etc.), RAG pipelines, and agentic frameworks. • Develop automation workflows using low/no-code orchestration tools (n8n, Make) to deliver AI solutions rapidly without requiring full engineering cycles. • Integrate AI capabilities into existing systems and codebases in close partnership with the product and engineering teams. • Own the full AI development lifecycle, including prototyping, evaluation, deployment, monitoring, and iteration, with support from engineering, product, and operational teams. • Cross-Functional Partnership • Partner with product to translate user problems into AI-driven features and experiences. • Embed within operations and business teams to identify workflow automation and efficiency opportunities. • Collaborate with engineering to ensure AI integrations meet production standards for reliability, maintainability, and security. • Document and communicate AI implementations clearly so the broader team can support and build on them.

About the Job As Director of Engineering, you will be the most senior engineering leader on the team, reporting directly to the VP of Product & Engineering. You’ll own the technical health, delivery cadence, and team performance of Splitero’s engineering organization, spanning a Salesforce team, a product engineering team, and QA resources. You'll lead the execution layer, partnering closely with a Lead Engineer (product) and a Manager of Engineering (Salesforce) who handle day-to-day technical work and team management, respectively. Your focus is on the bigger picture of setting engineering strategy, driving architectural decisions across our stack, managing our external vendor relationships, and acting as the connective tissue between engineering teams. You will drive AI-first engineering practices while ensuring team quality and velocity are monitored and maintained as we scale operations and technical verticals. You'll collaborate closely with product leadership as a genuine thought partner who understands that great technology is built around user problems and business impact, not just tickets in a queue. At Splitero, we move fast, and the ideal candidate thrives in that environment. You are someone who can bring structure without slowing momentum, understands how to balance the trade-offs between engineering excellence and best-in-class user experiences, and measures success by what ships and what it does for the business. Responsibilities: - Engineering Strategy & Delivery - Own delivery accountability across the external and internal engineering teams. Maintaining a unified view of progress, risks, and dependencies. - Drive the engineering roadmap in partnership with product, ensuring technical investments align with company objectives. - Drive architectural decisions across the full stack: consumer-facing React applications, API layers, Salesforce integrations, and data infrastructure - Optimize and evolve shared processes across internal and external teams: sprint cadences, quality standards, retrospectives, and a single source of truth for delivery status - External Team & Vendor Management - Own the end-to-end vendor relationship with Splitero's external engineering partners to drive continued improvement while maintaining standards across teams. - Further strengthen the integration between contracted teams so all engineers operate as part of Splitero, not apart from it. - Leadership & Team Development - Coach and develop two senior direct reports, helping them grow as leaders while maintaining high performance in their domains. - Provide clear upward communication to the VP of Product & Engineering, synthesizing status, risk, and strategic recommendations across the full org. - Partner with People Operations on hiring strategy, org design, and workforce planning as the team scales - Foster a culture of engineering excellence, continuous improvement, and constructive accountability - Technical Oversight - Evaluate and approve architectural proposals from internal and external teams, ensuring consistency, scalability, and maintainability. - Own the technical integration layer between Salesforce and the core web platform — data sync patterns, API integrations, and shared infrastructure. - Stay current on emerging technologies (particularly AI tooling) and recommend adoption where it improves velocity, quality, or competitive positioning. - Ensure compliance with security, data privacy, and regulatory requirements relevant to financial and real estate data. Reporting Structure: Lead Engineer & Product Engineering team: Directly reports to this role. Owns core platform architecture and hands-on development across React, TypeScript, Node.js, PostgreSQL, and AWS. Splits time 60/40 between development and technical leadership.Quality Assurance: Directly reports to this role. Owns end-to-end quality through automation and manual testing across go to market and Salesforce stack.Manager of Engineering (Salesforce) - Directly reports to this role. Owns Salesforce engineering and admin execution, system architecture, team performance, and hiring. The on target earnings for this position is $200,000 - 250,000, inclusive of a base salary and a biannual bonus based on company, team, and individual success. Within the range, individual pay is determined by job-related skills, experience, and relevant education or training. About You - 10+ years in software engineering with 4+ years in engineering management, including experience managing managers or senior technical leads. - Strong technical knowledge across Martech, go-to-market, product, and Salesforce-oriented engineering teams and tech-stacks. - Working knowledge of modern web technologies: React, TypeScript, Node.js, PostgreSQL, and cloud deployment platforms. You must be able to evaluate architectural proposals and identify risk. - Familiarity with Salesforce platform architecture at the integration level, including APIs, data sync tools, and middleware patterns. - Strong cross-functional collaboration skills; able to partner closely with product and marketing teams without owning the functions directly. - Familiarity with AI/ML platforms and practical applications of LLMs in product and engineering workflows. - Track record at a startup or growth-stage company (sub-300 employees), comfortable operating in fast-moving environments where priorities shift. - Excellent communicator up and down the org — synthesizing complex engineering status into clear executive updates while shielding teams from unnecessary noise. - Demonstrated experience managing an external or outsourced engineering team. Preferred: - Experience in fintech, proptech, or real estate technology — particularly products handling sensitive financial data or consumer lending. - Track record scaling an engineering org from ~10 to ~25 people, including hiring pipelines, onboarding, and evolving team structures. - Experience transitioning work from an external engineering team to internal ownership. - Experience with data-intensive applications: ETL pipelines, analytics systems, or complex PostgreSQL data models. - Knowledge of SOC 2 or data privacy frameworks relevant to financial and personal data. About Us Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives. Splitero co-founders Michael Gifford and David Zvaifler witnessed the problem firsthand throughout their real estate careers. They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. And thus, Splitero was born. As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life. - Fully Remote Team - Our remote-first culture allows us to hire the best people, regardless of location. - OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals. - Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend. - Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day. - Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry. We are a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities. In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at peopleops@splitero.com.