"In the case of neutron-induced fission reactions, an incident neutron provides additional energy to a target nucleus in the form of kinetic energy and nuclear binding energy. Neutrons have the principal advantage, and they do not need to overcome the coulomb forces as in the case of charged particles."
Source: https://www.nuclear-power.com/nuclear-power/fission/critical-energy-threshold-energy-for-fission/
Does anyone have an idea as to how exactly a neutron causes a nucleus to split? I know from above that the neutron increases binding energy, which can be used to overcome the excitation energy required for fission, but wouldn't an increase in binding energy mean that the nucleus is more tightly held together, i.e. more stable? Where exactly does the free energy come from to pull the nucleons apart against the nuclear force, assuming that the kinetic energy of the neutron is negligible?