Director of HELOC Operations

ABOUT THE ROLE:

Splash Financial is seeking a driven detail-oriented operations leader to build and scale the day-to-day operational infrastructure of its HELOC business. Reporting to the SVP of Operations the Director of HELOC Operations will bridge strategy and executiontranslating business objectives into high-performing workflows compliance frameworks and seamless lending partner and borrower experiences. This leader will own the full operational lifecycle of the HELOC product from origination and processing through closing and post-close handoffs while continuously improving efficiency and quality at scale.

This is a remote role based out of the Cleveland area and the ideal candidate is a process-driven operator with deep HELOC expertise a bias for action and the ability to build from the ground up in a fast-moving entrepreneurial environment.

If you have hands-on experience managing HELOC operations at scalefrom underwriting and processing to vendor management and regulatory compliancethis role is for you!

WHAT YOULL DO AT SPLASH:

• Own end-to-end HELOC operational processes including loan origination processing underwriting support closing and post-close servicing handoffs. Ensure every step runs with consistency speed and quality
• Build and continuously improve scalable workflows SOPs and quality control frameworks that can support rapid volume growth without sacrificing the borrower or partner experience
• Partner closely with Product and Technology teams to identify operational bottlenecks and drive process automation tooling improvements and efficiency gains
• Manage develop and grow a high-performing operations team; recruit coach and retain A-players capable of scaling with the business and owning their domains
• Oversee lending partner onboarding and operational integration ensuring seamless connectivity clear communication and a consistently high-quality partner experience
• Monitor key operational metricscycle times pull-through rates error rates and satisfaction scoresand drive continuous improvement initiatives to consistently hit business targets
• Ensure operational compliance with applicable federal and state regulations (TILA RESPA HMDA state licensing) working cross-functionally with Legal and Compliance to embed regulatory rigor into every process
• Serve as the primary escalation point for complex operational issues and partner inquiries resolving problems quickly systematically and with a root-cause mindset

WHAT YOULL BRING TO SPLASH:

• Must reside within 75 miles of our Cleveland office for occasional in-office collaboration and to support state licensing/compliance requirements
• 7 years of experience in HELOC or mortgage operations (TPO experience a plus) with at least 3 years in a leadership role managing teams and building or improving operational processes at scale
• State-specific mortgage loan originator (MLO) licenses (California DRE Real Estate Salesperson License MLO License Endorsement Preferred)
• Deep knowledge of HELOC origination workflows regulatory requirements (TILA RESPA HMDA state licensing) and industry best practices across the full loan lifecycle
• Proven track record of building and scaling operational teams and processes in a high-growth technology-forward lending environment; experience standing up new operations from scratch is a plus
• Strong analytical skills with ability to use data to diagnose bottlenecks forecast capacity needs and drive measurable sustained operational improvement
• Excellent cross-functional communication skills; able to translate operational complexity into clear priorities for product technology and business stakeholders
• Experience managing vendor and lending partner relationships with a focus on performance compliance and long-term partnership health
• Hands-on action-oriented leadership style with a relentless focus on quality efficiency and delivering an exceptional experience for borrowers and partners alike

COMPENSATION:

The base salary range for this role is $160000 to $210000 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.

JOB OFFER & RECRUITMENT SCAM NOTICE

At Splash Financial we want candidates to feel confident and safe throughout the hiring process. Unfortunately scammers sometimes pose as employers to trick job seekers into sharing personal information or money.

PLEASE BE AWARE:

• Splash Financial will never ask for payment banking details or cryptocurrency as part of our hiring process.
• All legitimate job communications from Splash Financial will come from an @ email address.
• We do not conduct interviews solely via text message or chat apps.
• Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial.

• Do not respond or share personal information.
• Do not click on unknown links or download attachments.
• Report the message to