Lead Credit Manager, Fraud

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October 23

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Tilt (formerly Empower)

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Fintech • B2C • Finance

Tilt is a financial technology company that provides cash advance, lines of credit, and credit card services aimed at empowering customers financially. With an emphasis on accessibility, Tilt offers flexible repayment plans and eligibility irrespective of a customer's credit history, enabling individuals to qualify based on their real-time financial habits. The platform is user-friendly, boasting positive customer experiences and a high rating, making it a convenient option for those seeking to manage their finances and build credit effectively.

201 - 500 employees

💳 Fintech

👥 B2C

💸 Finance

📋 Description

• Lead fraud strategy development, including defining the year+ fraud roadmap across account opening, authentication, payments, disputes/chargebacks, and account lifecycle. • Partner with Data Science to develop, test, and deploy models (supervised/unsupervised, GBMs) and decisioning logic that perform in real time with tight latency SLAs and clear governance. • Build feedback loops that connect labels (chargebacks, returns, SAR outcomes), device/behavioral signals, and manual review outcomes back into models/rules. • Set targets and monitor KPIs: fraud loss rate (bps), approval/authorization rate, false-positive rate, customer friction, manual review rate, dispute win rate, and time-to-detect. • Stand up dashboards and alerting to detect pattern shifts; lead fast, disciplined response (playbooks, kill switches, rules hot-fixes, targeted experiments). • Partner with Finance to quantify trade-offs (loss vs. conversion vs. cost-to-serve) and to size/sequence investments that drive efficient frontiers. • Own a strategic vendor portfolio spanning identity verification, device intelligence, behavioral biometrics, link/graph analysis, consortium data, and payment risk. • Run rigorous evaluations: define use-cases, data contracts, and offline/online POVs with clear success metrics (coverage, precision/recall, latency, ROI, TCO). • Negotiate commercial terms and integration plans; rationalize overlap, deprecate low-ROI tools, and design resilient fallback paths. • Structure experiments across onboarding flows, risk thresholds, and step-up authentication to reduce fraud without over-rejecting good customers. • Challenge existing processes/tools with creative, data-driven improvements to customer experience and operational efficiency (e.g., reviewer tooling, queue design, auto-adjudication). • Partner closely with Product, Engineering, Data Science, Operations, and Compliance/Legal to design controls, implement monitoring, and meet partner bank/regulatory expectations. • Translate complex analytical insights and threat intel into crisp recommendations that influence exec decisions and cross-functional roadmaps.

🎯 Requirements

• Strong advanced analytics toolkits (strong SQL, Python) and experience with statistical modeling (regression, GBMs) • B.S. degree in engineering, business, finance, computer science or mathematics • 5+ years track record of success in data analytics / credit roles + at least 2+ years focusing on financial fraud strategy and risk management • You are relentlessly focused on delivering measurable customer and financial impact. • You think both analytically and creatively, using data to uncover opportunities and imagination to design bold solutions. • You thrive in the details where true value is found but can quickly pull up to distill insights and influence C-suite decisions. • You operate best with a high degree of autonomy, identifying where the value is in a problem space and creating a clear agenda to go after it. • You use AI to challenge the status quo, bringing forward smarter, faster, and more effective ways to work and ship valuable products. • You are a strong thought partner to Data Scientists, excited to explore and implement cutting-edge models that raise the bar for underwriting performance. • You are an effective leader without authority on flat cross-functional teams shipping valuable products.

🏖️ Benefits

• 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.