Note: The job is a remote job and is open to candidates in USA. Splash Financial is hiring a Senior Product Manager to own the strategy and roadmap for HELOC underwriting, from application submission through closing. The role focuses on reducing time to funding and improving borrower experience through automation, operational efficiencies, and collaboration across product, engineering, credit, operations, compliance, and lending partners.
Responsibilities
- Own the product strategy and roadmap for HELOC underwriting, from submitted application through close, including income and employment verification, property valuation, document review, and condition clearing. Own time-to-fund as a core metric. Map the end-to-end loan lifecycle, find where loans stall, and ship changes that reduce time from application to funding without adding risk
- Drive underwriting and operational efficiency by working closely with credit and operations to reduce manual touches, shorten condition-clearing cycles, and increase loans processed per underwriter. Treat internal teams as customers of the product, because a faster operation means a better borrower experience
- Lead the AI and automation roadmap for HELOC underwriting and operations. Identify where AI can classify and extract data from borrower documents, flag discrepancies, recommend or auto-clear conditions, and route only true exceptions to people
- Expand automated valuation coverage by partnering with credit and valuation vendors to increase AVM eligibility, improve hit rates, and reduce reliance on full appraisals
- Build a state-aware closing experience with compliance, title, and e-closing partners, maximizing digital and remote online closings where permitted
- Lead cross-functional teams across engineering, design, credit, operations, compliance, and marketing from discovery through launch, writing clear requirements and making the tradeoffs that keep delivery on track
- Partner with third-party vendors (such as valuation, title, document, and e-closing providers) to translate partner and regulatory requirements into scalable product solutions
Skills
- 6+ years of product management experience in consumer technology or fintech, with a proven track record of shipping impactful products and owning outcomes end to end
- A working knowledge of consumer lending underwriting, credit decisioning, income and employment verification, document review, and conditions, and how product decisions affect credit risk and compliance
- A true cross-functional team player: you build trust with engineering, design, operations, credit, compliance, and business partners, influence without authority, and bring people together around shared goals
- A data-driven approach to decisions, with hands-on experience in product analytics, funnel analysis, experimentation, and operational metrics (cycle time, touch time, throughput), plus the judgment to turn insights into improvements that move key metrics
- Experience improving operational workflows or building internal tools, ideally where you reduced manual work, cycle time, or cost-to-serve while improving the customer experience
- A builder's view of AI: you've used AI and automation in products or workflows (such as document intelligence, decisioning, or process automation) and use AI tools like Claude, ChatGPT, or Cursor daily to speed up research, analysis, and documentation
- Direct experience with HELOC, home equity, or mortgage products, especially underwriting or loan operations
- Familiarity with the HELOC underwriting lifecycle and LOS systems, such as AVMs and appraisals, title, income and employment verification, e-closing, and lien recording
- Experience in a regulated environment, working closely with compliance on requirements such as TILA, RESPA, ECOA, or HMDA
- Experience working with bank, credit union, or platform partners to deliver product changes
- SQL proficiency and experience with BI and product analytics tools (e.g., Snowflake, Sigma)
Benefits
- Fully remote work freedom (for most roles)
- 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
- This role may also be eligible for a bonus component tied to individual and company performance
- Access to engagement tools that keep us connected — even from afar
Company Overview
Company H1B Sponsorship