Manager of Portfolio & Fraud Analytics, Splitit
Buy-now-pay-later with no interest or credit check
Be an early applicant
Buy-now-pay-later with no interest or credit check
21-100 employees
Be an early applicant
21-100 employees
Company mission
To empower consumers to use the credit they have earned to pay on their terms for the things they want and need.
Role
Who you are
- 5+ years in credit card or consumer lending, in portfolio analytics, credit risk, fraud, or a related role, with a working understanding of how credit portfolios perform (originations, delinquency, losses, profitability)
- Deep experience in either portfolio performance or fraud (ideally including fraud rule tuning and bust-out detection), plus enough working knowledge of the other to learn quickly
- Strong analytical and problem-solving skills, with a track record of turning findings into clear business recommendations
- Comfortable with business intelligence and reporting tools such as Tableau and Excel
- Actively using AI tools to speed up analysis, investigate performance drivers, and improve decision-making and operational efficiency
- Able to present complex findings clearly to senior leadership and external partners
- Entrepreneurial, detail-oriented, and comfortable building processes in a growing business
What the job involves
- As a Manager, Portfolio & Fraud Analytics at Splitit, you will play a critical role in launching and scaling a new installment credit card business
- Working closely with the General Manager, Card & Lending, you will monitor business performance, identify emerging risks and opportunities, and translate data into actionable recommendations
- This is a hands-on role combining broad portfolio analytics with fraud monitoring and partner reporting
- You’ll join before launch and help build the program’s monitoring, fraud operations, and reporting from the ground up
- You will help leadership understand how the business is performing, explain results against expectations, and recommend actions to improve outcomes
- Portfolio Performance & Analytics: Monitor performance across the account lifecycle, from originations through portfolio performance and economics. Evaluate actual results against forecasts and expectations, explain every result that falls outside tolerance, identify emerging trends, and recommend actions to improve business outcomes. Lead monthly performance reviews and help establish a disciplined approach to ongoing program monitoring
- Origination Fraud Monitoring: Monitor the performance of automated origination fraud and verification rules. Trace confirmed fraud, bust-outs, and early-loss accounts back to their application characteristics to find gaps in screening. Recommend and test rule adjustments that reduce losses without driving up false declines or hurting the customer experience
- Transaction Fraud Monitoring: Monitor transaction activity to identify suspicious behavior, bust-out patterns, and emerging fraud trends. Investigate alerts, distinguish fraudulent activity from false positives, recommend adjustments to fraud rules, and coordinate responses to fraud events. Balance fraud prevention with approval rates and customer experience
- Partner Reporting & Performance Insights: Translate portfolio performance into meaningful insights for internal leadership, our sponsor bank, and lending partners. Lead partner performance reviews alongside the General Manager and serve as a primary point of contact for partner reporting, due diligence, and data requests. Develop analytical insights and proof points to support the expansion of Splitit’s white-label card and lending solutions to banks and credit unions
Our take
Buy-now-pay-later services have gone from strength to strength in recent years as interest rates have stayed low and a new generation of digital-first consumers has grown their wallets. Despite that, many providers like Affirm have come under attack for their often credit-damaging business model.
Instead, Splitit has created a BNPL platform that integrates completely into the payment flow, meaning that it works off the available credit you have on your existing credit cards. That results in better protection for the consumer, as well as delivering a solution that reduces the disintermediation between consumer and merchant.
In the same vein, Splitit launched an Instalments-as-a-Service white-label BNPL platform in 2022 which allows merchants to drive loyalty and promote brand consistency on their own terms. The company is determined to continue expanding its offering for merchants and users alike.
The most difficult challenge for the BNPL platform will likely come from an unforgiving macro-environment. Ultimately, if users fail to repay their loans that will hurt Splitit’s bottom line more than anything else. However, strong relationships with merchants and an adjusted risk-model means they could fare better than their competitors.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (2 rounds)
Oct 2015
$11m
CONVERTIBLE
Jan 2012
$4.3m
SEED
Total funding: $15.3m
Company HQ
Midtown South, New York, NY
Leadership
Nandan Sheth
(CEO)Previously held senior positions at Fiserv, First Data, American Express, Acculynk.
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