Product Manager - Servicing

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 #foodbecause we believe being human makes us better teammates.

ABOUT THE ROLE:

Splash Financial is seeking a Product Manager to own the borrower servicing experience. You'll report to the Senior PM for Servicing, focused on building great customer experiences that directly impact how thousands of borrowers manage, repay, and interact with their loans. You'll also play a key role in improving the operational processes and partner onboarding that sit behind those experiences.

This isn't a support role. You'll own your domains end to end: running discovery, writing requirements, partnering with engineering, design, and business stakeholders, and using data to make better decisions faster.

WHAT YOU’LL DO AT SPLASH:

• Own the discovery and delivery of borrower-facing servicing features, with a focus on intuitive experiences that make it easy for borrowers to manage, repay, and stay on track with their loans.
• Partner with lender implementation teams to translate partner servicing requirements into product requirements and support go-live delivery across credit union and bank partners.
• Help maintain and evolve our servicing platform configuration, including loan settings, borrower communications, and platform-level changes.
• Drive initiatives that reduce delinquency and improve payment behavior, including self-service improvements, payment plan optimization, and enrollment experiences.
• Use AI tools to accelerate your own workflow, including drafting documents, synthesizing research, analyzing data, and automating repetitive tasks.
• Develop working knowledge of loan sales, collections, and disbursements workflows, with growing ownership over time.

WHAT YOU’LL BRING TO SPLASH:

• 2-5 years of product management experience in a fast-paced environment where you had real ownership and accountability for outcomes.
• Demonstrated product craft: you can identify and frame problems clearly, translate them into executable requirements, and drive delivery within an agile PDLC.
• A good eye for UX: you can articulate what makes an experience intuitive or broken and partner effectively with design.
• Comfort using data to inform decisions and measure outcomes: you know how to ask the right questions, where to find the answers, and how to act on what you learn.
• Clear, structured communication: you can translate between technical and non-technical audiences and keep stakeholders informed proactively.
• Experience working with third-party platforms or vendors to ship product changes.
• Proficiency with AI-powered productivity tools (e.g., Claude, ChatGPT, Copilot, Cursor) to accelerate research, analysis, and documentation.

NICE TO HAVE:

• Experience in fintech, consumer lending, or a regulated environment.
• Familiarity with loan servicing, payments, collections, or capital markets.
• Experience working with bank, credit union, or platform partners to deliver product changes.
• Experience running A/B tests or product experiments to improve conversion, engagement, or user behavior.
• Familiarity with data and BI tools and product analytics tools; SQL proficiency is a plus.

COMPENSATION:

The base salary range for this role is $100,000 to $150,000 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 (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.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Splash Financial’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.