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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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.

México was Tilt’s first market outside the US. Launched in 2022, we’ve already helped thousands of customers access fair credit in moments of need — using alternative data and technology to serve those often overlooked by traditional lenders. We’re scaling rapidly and preparing to launch new products that will expand our reach and deepen our impact across the country.

We are seeking a Collections Strategy and Ops Manager to build a world-class collections function. This is a rare opportunity to take full ownership of collections strategy, risk segmentation, outreach channels, and analytics in a fast-growing, high- impact environment. If you’re looking for a foundational role where you can have massive impact scaling operations that expand financial inclusion, and a wide scope within a high performing team, this is the role for you.

The ideal candidate is a strategic thinker with deep expertise in collections, risk, and analytics. They will have the opportunity to shape the vision, design best-in-class collections strategies, and eventually grow a high-performing team. This individual should be excited about getting in the weeds and hands-on leading analyses. They will drive experimentation, optimize collections performance, and implement data-driven decision-making across all aspects of the function.

This is a remote role with a preference for individuals based in México or in a similar time zone. Occasional travel will be required for company onsites and market visits (minimum 4-6 times per year).

RESPONSIBILITIES

• Test and iterate rapidly on different collections strategies, testing new outreach techniques, incentives, and risk-based approaches.

• Design and implement predictive collections scoring and automation, leveraging segmentation, data analytics, machine learning, and vendors to optimize recovery rates.

• Develop and scale collections outreach models—across digital, automated, and agent-led channels—to maximize efficiency and performance.

• Coordinate and manage relationships with external collection agencies to ensure aligned strategy, consistent performance, and compliance.

• Build and lead a high-performing collections strategy and analytics team, ensuring best-in-class execution and continuous improvement.

• Work cross-functionally with Credit, Data Science, Product, Growth, and Operations teams to refine collections strategy, enhance underwriting insights, and drive innovation.

• Own key collections KPIs, including delinquency rates, recovery efficiency, and overall portfolio performance, ensuring financial targets are met.

• Ensure compliance with all relevant regulatory requirements

QUALIFICATIONS

• 4+ years of experience in collections strategy, risk analytics, and credit risk management in financial services, preferably in consumer lending fintech.

• Proven expertise in data-driven collections strategies, risk segmentation, and model-driven outreach optimization. Deep familiarity with AI-driven collections scoring, automation, and optimization techniques is highly preferred.

• Strong technical skills—proficiency in SQL, Python, and analytics platforms.

• Happy to be hands-on and in the weeds driving analysis themselves.

• Experience working with cross-functional teams and managing complex initiatives in high-growth, fast-scaling environments.

• Strategic thinker with a strong execution mindset—able to translate high-level business objectives into clear, data-backed action plans.

• Excellent verbal and written communication skills, ability to communicate to an executive audience.

• Experience working with regulatory frameworks and compliance requirements in lending/collections is a plus.

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.