---
title: 'Manager of Underwriting at Splitero'
canonical: 'https://feeny.ai/job/manager-of-underwriting-splitero-san-diego-v7vferf5d93y'
type: 'job'
last_seen: '2026-11-05'
---

# Manager of Underwriting at Splitero

- **Company:** Splitero
- **Location:** San Diego, CA
- **Posted:** 2026-08-02
- **Last confirmed live:** 2026-11-05
- **Apply:** https://job-boards.greenhouse.io/splitero/jobs/5377344008

## Job description

## About the Job

As the Manager of Underwriting at Splitero, you will lead and support a team responsible for producing accurate, timely, and high-quality underwriting decisions in a fast-paced environment. You’ll be hands-on with coaching and performance management while also helping shape how the team operates through clearer processes, better consistency, and ongoing improvements. This role partners closely with Processing and People Ops to keep work flowing smoothly and ensure alignment across teams. You’ll be accountable for driving quality, developing your team, and making sure underwriting standards are consistently met while supporting broader business goals.

- Partner with People Ops to source, screen, interview, and present offers to qualified candidates; lead hiring for your team and contribute to onboarding decisions
- Oversee performance management for team members; complete thoughtful performance reviews, deliver direct and documented feedback, sustain coaching plans through to resolution, and respond to performance support needs
- Cultivate and maintain a positive team culture; plan proactive employee engagement initiatives and solve conflict interfering with the work environment
- Train and onboard all new hires, ensuring new teammates ramp efficiently
- Lead projects related to their team; thoroughly scope, creates timelines and resource needs, organize meetings, delegate tasks, collaborate cross-functionally, and provide upward and downward communication related to project goals, updates, and roadblocks
- Manage the pipeline and workload for all team members, ensuring high performance across all team members
- Own development, implementation, and changes to policies and procedures
- Connect company-wide goals with department-level action items on a quarterly basis and steering department and individual contributor goals
- Analyze data related to their area, produce valuable insights, and present to leadership
- Act as the main point of contact for escalations and team member questions
- Manage and coach to underwriting quality KPIs, using performance data to identify patterns, drive accountability, and create teachable moments
- Serve as the primary cross-functional liaison between Underwriting and Processing, identifying and addressing friction points that affect pipeline health and team consistency

The salary range for this position is $130,000 - $140,000. Within the range, individual pay is determined by job-related skills, experience, and relevant education or training.

This position has a target start date of 11/16 or 11/30. You will work remotely until January of 2027. Starting in January, this role will be hybrid and based in our San Diego office. Employees are required to work onsite Tuesday through Thursday each week, with the option to work remotely on Mondays and Fridays.

## About You

- 4+ years of experience in underwriting residential loans
- Ability to work in our San Diego office, Tuesday - Thursday, starting in January 2027.
- Experience leading a high-performing team
- Proven history of successfully managing projects from ideation to execution
- Ability to write effective policies and procedures
- Ability to evaluate risk-based decisions made by your team, identify patterns in judgment or conditioning that need correction, and hold a consistent quality standard across all underwriters
- Experience navigating cross-functional team dynamics and building consistency across adjacent teams
- Demonstrated leadership skills, including the ability to have constructive conversations, set and meet deadlines, proactively communicate challenges and changes within your department, and relay information to all levels of management on a regular cadence
- Ability to make data-driven decisions
- Experience working with HEIs is preferred
- Desire to participate in fast-paced early-stage startup
- Adaptability: Embraces changing circumstances with resiliency and positivity
- Team-Oriented: Prioritizes collaboration, inclusivity, and teammate support

## About Us

Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives.

Splitero co-founders Michael Gifford and David Zvaifler witnessed the problem firsthand throughout their real estate careers. They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. And thus, Splitero was born.

As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life.

- OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals.
- Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend.
- Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day.
- Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry.

We are a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities. In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at peopleops@splitero.com..

## About Splitero

## Company Overview
- **One-liner**: Splitero provides homeowners with cash in exchange for a share of their home’s future value, enabling access to equity without taking on new debt or making monthly payments.
- **Entity Type**: Private (Series B‑II)
- **Headquarters**: San Diego, California, United States
- **Founded**: 2021
- **Founders**: Michael Gifford and David Zvaifler

## Core Business
- **Primary industry**: Financial Services (Home Equity Investment / Fintech)
- **Target customers**: Homeowners who are “asset‑rich, cash‑poor” or have less‑than‑perfect credit – primarily B2C, but also works with wholesale partners.
- **Mission**: Help homeowners access their home equity without new debt or monthly payments.

## Products & Services
- **[Home Equity Investment (HEI) – “Splitero”](https://www.splitero.com/)**: The company offers a lump‑sum cash payment to homeowners in exchange for a share of the home’s future appreciation (or depreciation). No monthly payments, no interest, and no new debt – a simple, transparent alternative to a HELOC or second mortgage. The product is classified as a Home Equity Investment (HEI) and is structured as a shared‑value contract.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metrics**: 
  - Annual Revenue: ~$8.7 M (2026 estimate) [linkedin.com]
  - Total Funding: $317.8 M (as of 2026) [cbinsights.com]
  - Latest Milestone: Closed a $296 M HEI securitization in June 2026 [cbinsights.com].
- **Notable Investors**: Antarctica Capital, Blue Owl Capital, Fiat Ventures, Stackpoint Ventures, Permit Ventures, PBJ Capital, and others [cbinsights.com].
- **Growth Signals**: 
  - Headcount of ~86 employees with +0.9% monthly growth [linkedin.com].
  - Active job postings: 8, with a +300% quarterly increase in postings [linkedin.com].
  - Named a “Challenger” among competitors in the home equity investment space [cbinsights.com].
  - Successful securitization signals strong capital markets demand and scale‑up potential.

## Competitive Advantages
- **No new debt or monthly payments**: Unlike traditional home equity loans, Splitero’s product does not add debt, making it attractive to homeowners with imperfect credit or those seeking payment‑free cash.
- **Shared‑appreciation model**: Homeowners keep title and occupancy; Splitero only shares in future home‑value changes, aligning incentives.
- **Speed and accessibility**: Faster approval process compared to conventional mortgages, serving a broader demographic.

## Strategic Focus
- **Scale securitization**: The recent $296 M securitization shows a strategy of packaging HEI assets to raise new capital for further originations.
- **Nationwide expansion**: Growing wholesale partner network and remote team to reach more homeowners across the U.S.
- **Product innovation**: Continuing to refine underwriting and investor structures to remain competitive against companies like Point and Hometap.

## Why Work Here
- **Remote‑first culture**: The team is fully remote, allowing hiring from anywhere in the U.S. [greenhouse.io].
- **OneTeam Culture**: Emphasis on transparency, innovation, inclusivity, and celebrating wins together [greenhouse.io].
- **Generous benefits**: 
  - Premium healthcare coverage starting day one.
  - Flexible PTO and paid parental leave.
  - Monthly cell & internet stipend + access to any WeWork location.
- **Engineering & ops roles**: Current open positions include Underwriter, Processor, Manager of Wholesale, and Homeowner Advisor – a mix of remote and hybrid (San Diego) options [greenhouse.io].
- **Impact**: Employees directly help homeowners unlock trapped equity in a high‑interest‑rate environment, making a tangible difference in people’s lives.

## Sources
1. [splitero.com](https://www.splitero.com/)
2. [Greenhouse careers page](https://job-boards.greenhouse.io/splitero)
3. [LinkedIn company profile](https://www.linkedin.com/company/splitero)
4. [CB Insights company profile](https://www.cbinsights.com/company/splitero)

## Other roles at Splitero

- [Full-Stack Engineer](https://feeny.ai/job/full-stack-engineer-splitero-remote-by5mf9mnrqv2)
- [Engineering Manager, Homeowner and Partner Experiences](https://feeny.ai/job/engineering-manager-homeowner-and-partner-experiences-splitero-remote-mp1az7akbab8)
- [Senior Accountant](https://feeny.ai/job/senior-accountant-splitero-remote-4fmr83pn4j02)
- [Director of Product, Homeowner & Partner Experience](https://feeny.ai/job/director-of-product-homeowner-partner-experience-splitero-remote-9wv5zyvbg45t)
- [People Business Partner](https://feeny.ai/job/people-business-partner-splitero-remote-r674g40q4b4m)
- [Underwriter](https://feeny.ai/job/underwriter-splitero-san-diego-15k9xnv5xxwh) — San Diego, CA
- [Manager of Processing](https://feeny.ai/job/manager-of-processing-splitero-san-diego-g13x3jk8p3ax) — San Diego, CA
- [Processor - Hybrid](https://feeny.ai/job/processor-hybrid-splitero-san-diego-cgh6vgbe34c7) — San Diego, CA
- [Senior Closer](https://feeny.ai/job/senior-closer-splitero-san-diego-the4jgnm6vpn) — San Diego, CA