Ideate and build new line management programs: Independently identify, design, and test new programs and policies that complement our existing line management programs — for example, over-limit policies, dynamic or instant line increases, or incentive-based credit line increases.
Own the analytical work end-to-end: Run your own SQL- and/or Python-based analysis to size opportunities, structure tests, and evaluate results, turning insights into a roadmap you build in partnership with Data Science and Product.
Partner closely with Data Science: Identify opportunities where a new or enhanced risk models would outperform the existing approach, then partner with DS to define success criteria and serve as the business owner driving that model forward.
Drive through ambiguity with urgency: Take undefined, loosely-scoped problem spaces and independently turn them into concrete, tested programs — scoping the approach, building the test, and pushing it through to a result using your own judgment, without needing to be directed step by step.
Communicate with precision and influence: Translate complex analysis into clear, decision-ready recommendations for senior stakeholders, and build the credibility to shape decisions without formal authority.

Bachelor's degree in a quantitative field (Engineering, Business, Finance, Computer Science, Mathematics, Economics, or similar); advanced degree a plus.
5-7 years of experience in credit risk, data analytics, or a related quantitative discipline, ideally in consumer lending or fintech.
Strong SQL or Python skills — you're comfortable running your own queries independently, and you're able to pair that effectively with AI tools to execute on analysis
Excellent communication skills — able to go deep in the analytical weeds and also distill findings clearly for an executive audience.
Demonstrated ability to influence outcomes and build trust with senior stakeholders and cross-functional partners without formal reporting authority.
Strong analytical and problem-solving instincts, with comfort operating in ambiguity and a track record of driving projects forward independently.
A creative, action-oriented approach — someone who prototypes, tests, and iterates rather than waiting for a fully-defined problem statement.
Eagerness to learn new tools and methods, and to stay current with trends in credit, lending, and AI.

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.

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.

Senior Credit Manager, US Card

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