Senior Credit Analyst

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October 4

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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 the development and optimization of end-to-end credit policies for new lending products in Mexico. • Build, maintain, and calibrate underwriting and account-management strategies of a nascent and rapidly growing loan portfolio. • Design, execute, and measure experiments across the borrower lifecycle. • Manage and iterate on the loan valuations model. Incorporate the model into the credit strategy and key decisions. • Establish automated monitoring and alerting for core KPIs. • Partner with Product/Engineering to define and deliver analytics and reporting requirements. • Define and refine fraud and dispute controls. • Support the Head of Credit in the multi-phase roadmap, aligning experiments, models, and controls to business objectives and Credit OKRs. • Share knowledge and best practices, and raise analytical and execution standards across the team.

🎯 Requirements

• B.S. or advanced degree in engineering, business, finance, economics, computer science, mathematics, or a related field. • 2+ years of industry experience optimizing product features and credit policy in Mexico through data-driven and quantitative analyses with personal loan, credit card, or line of credit products. • Advanced SQL and Excel skills with exceptional accuracy and attention to detail; comfort building complex queries and models from raw data. • Proven ability to lead analytics-driven initiatives and collaborate with Product, Engineering, Operations, and Finance; strong judgment and bias for action in ambiguous, fast-changing environments. • Strong verbal and written communication skills; can translate complex metrics, systems, and trade-offs into clear recommendations for technical and non-technical partners. • Experience designing and analyzing A/B tests and operational pilots; understanding of experimental design, guardrails, and causal inference basics. • Experience working in or familiarity with the Mexican consumer finance space

🏖️ 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.