Lead Credit Manager, Payments

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October 28

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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 payment strategy development, including: Define the roadmap for payments optimization across autopay, retries, and cash-flow–based repayment strategies. • Analyze behavioral, transactional, and paycheck forecast data to improve repayment prediction and reduce failed payments. • Design and execute experiments to improve timing, routing, and success rates of payments while managing transaction costs. • Partner with Data Science to refine our paycheck forecasting model and leverage it for dynamic payment scheduling. • Own portfolio performance & analytics infrastructure: Develop and monitor KPIs for payment success rate, loss reduction, transaction costs, and customer repayment experience. • Build dashboards, alerting, and diagnostic tools to monitor real-time payment health and flag deviations in behavior or performance. • Maintain and evolve the analytics stack and pipelines supporting payments data and experimentation. • Collaborate across teams to ship high-impact solutions: Work closely with Product and Engineering to implement strategies, data feeds, and decisioning systems that automate cash-flow–aware payments. • Partner with Finance and Data Science to size trade-offs between payment success, transaction costs, and customer experience. • Translate complex insights into actionable recommendations that influence leadership decisions and product roadmaps. • Shape the future of payment intelligence: Develop a long-term vision for how Tilt leverages payment, paycheck, and customer behavior data to drive predictive and adaptive payment systems. • Collaborate with Data Science and Engineering to design real-time intelligence loops that automatically adjust payment strategies based on user cash flow and engagement. • Identify opportunities to integrate emerging data sources, infrastructure improvements, or modeling techniques that enhance repayment performance. • Champion innovation and scalability — ensuring Tilt’s payment systems remain efficient, resilient, and future-proof as we scale.

🎯 Requirements

• You’re a strong conceptual problem solver with a track record of analytical and strategic impact. • You have an advanced analytics toolkit (strong SQL, Python) and demonstrated ability to independently analyze complex datasets. • You have experience working with unstructured data, predictive models, and collaborating with data engineering / BI teams. • You thrive in the details where true value is found but can quickly pull up to distill insights and influence C-suite decisions. • You are results-driven, owning problems end-to-end and focusing relentlessly on measurable impact. • You’re comfortable collaborating across disciplines — credit, product, data science, and finance — to drive alignment and ship meaningful change. • Experience in financial services, credit, or payments preferred, but strong analytical and problem-solving ability is paramount.

🏖️ 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.