5+ years in credit card or consumer lending, focusing on portfolio analytics, credit risk, or fraud.
Deep expertise in portfolio performance or fraud, with a foundational understanding of the other.
Strong analytical skills with a proven ability to translate findings into actionable business recommendations.
Proficient in business intelligence tools like Tableau and Excel.
Experience using AI tools for analysis and operational efficiency.
Effective communicator, able to present complex data to senior leadership and partners.
Entrepreneurial mindset with a detail-oriented approach to building processes.
Responsibilities
Monitor portfolio performance across the account lifecycle and lead monthly performance reviews.
Evaluate actual results against forecasts, identifying trends and recommending actions for improvement.
Oversee origination fraud monitoring, adjusting rules to minimize losses while enhancing customer experience.
Investigate transaction activity for suspicious behavior and recommend fraud rule adjustments.
Translate portfolio performance into insights for internal leadership and lending partners.
Lead partner performance reviews and serve as the primary contact for reporting and data requests.
Develop analytical insights to support the expansion of Splitit's lending solutions.
Benefits
Flexible work location options: NYC, Atlanta, or remote.
Opportunity to shape and build a new installment credit card business from the ground up.
Hands-on role with significant impact on business performance and fraud operations.
Collaborative environment working closely with senior leadership and external partners.
Access to advanced analytical tools and resources.
Full Job Description
Location: NYC, Atlanta, or Remote
What You'll Do 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.
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.
About Splitit
Splitit is a payment solutions company that provides installment payment services for consumers and merchants. The company was founded in 2012 by Gil Don and Alon Feit and is headquartered in Sydney, Australia. Splitit's platform allows consumers to split the cost of purchases into interest-free monthly payments using their existing credit cards. The platform is available in over 30 countries and supports multiple currencies. Splitit has partnerships with companies such as Mastercard, Visa, and Stripe. The company went public on the Australian Securities Exchange in January 2019. Splitit has raised $30 million in funding to date.
