Join the Tilt team

At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

The Opportunity: Sr. Credit Analytics Manager - Cash Advance

Tilt is looking for a talented analyst to join our high growth fintech startup and help develop and optimize our flagship cash advance product. This role presents an exciting opportunity to make a significant impact on our largest product line while working closely with cross-functional teams. As part of the Credit and Data Science team, you will focus on implementing and monitoring new risk models, collaborating with finance to assess and execute credit policies, and working with product teams to ideate and launch new features and improvements.

The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being. This individual will lead workstreams encompassing credit policy, product testing, and valuations, taking ownership from concept through to execution. They will work closely with cross-functional teams in product, technology, and finance to deliver innovative solutions that set Tilt apart. The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes.

Tilt is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.

How You’ll Make an Impact

• Optimize Tilt's cash advance product by refining credit policies and valuations frameworks.

• Design and conduct broad tests to improve future business outcomes.

• Collaborate with cross-functional teams including:

  • Finance: to align work with the broader company strategy.

  • Product and Marketing: to enhance customer engagement with our product.

  • Operations and External Vendors: to ensure seamless execution of loss mitigation strategies.

  • Data Infrastructure: to maintain data quality for accurate analytics and reporting.

• Drive the development of new product features and enhancements.

• Develop automated systems to monitor and report on business performance.

Why You’re a Great Fit

• Bachelor’s degree in Engineering, Business, Finance, Computer Science, or Mathematics.

• 3+ years of industry experience in data analytics and credit risk management.

• Strong proficiency in SQL and Python.

• Proven ability to design tests and build credit policies.

• Adaptable and eager to learn new tools and analytical methods.

• Experience working with cross-functional teams, including tech, product, credit, and business.

• A structured approach to problem-solving, with the ability to communicate complex topics effectively using frameworks.

• (Preferred) Experience in credit analytics at a bank or fintech company

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

What you'll get at Tilt

• Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.

• Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.

• Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.

• Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly.

• Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)

• Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

The Tilt Way

We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures.

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.

Compensation Range: $150K - $210K