Manager, Portfolio & Fraud Analytics

That keeps money in the hands of shoppers to use as they want. By helping shoppers pay small, we help businesses grow big.

About splitit

• NYC, Atlanta, or Remote About Splitit Our vision is to help consumers responsibly enrich their lives by leveraging the credit they’ve already earned in a new and impactful way.
• Today consumers want control of how they pay for the things they want and need.
• Splitit is the only payment platform that enables consumers to use their existing credit to break payments into smaller, bite-sized pieces to pay over time with no interest, applications, or fees.
• That’s a win-win.
• Splitit operates globally and has offices in Atlanta, New York, and Tel Aviv.
• Who We Are Our culture is an environment of innovation, inspiration, and open communication.
• Unique Perspective.
• Unwavering Courage.
• Bold Determination.
• Deliver Impact.
• Our values aren’t words we post on the wall—they make up the essence of who we are and how we make business decisions.
• They also shape the way we hire, so if you work with us, you will likely embody these too.

Responsibilities

• 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.
• 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.
• 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.
• 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.
• 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.
• Able to present complex findings clearly to senior leadership and external partners.

Requirements

• 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.
• Entrepreneurial, detail-oriented, and comfortable building processes in a growing business.