Credit Analyst – US Core

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Tilt (formerly Empower)

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

👥 B2C

💸 Finance

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.

📋 Description

• Sustain credit model and policy velocity: Support the ongoing development and refinement of credit models and underwriting policies for Cash Advance, helping maintain quality and pace as the program evolves. • Drive new product experimentation: Partner on the design and evaluation of new product constructs and pricing approaches, bringing rigorous credit analysis to test-and-learn initiatives that are still taking shape. • Bridge new product experiences and credit rigor: Bring both a user/product lens and a quantitative credit policy lens to new initiatives — helping ideas move from concept to tested, scalable strategy. • 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. • Partner cross-functionally: Work closely with data science, product, marketing and other credit and risk functions to keep initiatives moving and aligned with the broader business strategy. • Bring creativity and structure to ambiguous problems: Help scope and structure new analytical questions where the path isn’t yet defined, and move initiatives forward with urgency and independent judgment.

🎯 Requirements

• 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. • 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 brief. • Eagerness to learn new tools and methods, and to stay current with trends in credit, lending, and AI.

🏖️ Benefits

• Virtual-first teamwork: Collaboration across 14 countries with WFH office reimbursement. • Competitive pay: Reflects potential with generous equity. • Complete support: Flexible health plans with substantial subsidies. • Visibility: Direct exposure to leadership team. • Paid global onsites: Opportunities to reconnect at various locations. • Impact recognition: Growth opportunities based on contributions, not rigid timelines.