Staff Software Engineer - Backend, Cards

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August 18

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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

• Join a high-caliber engineering organization at a critical inflection point in Empower's growth trajectory. • Work directly with product and technical leaders across Card Spend and Card Payments domains, helping drive the technical strategy that powers our AI-driven credit platform. • Be a force multiplier—execute independently on complex challenges while elevating the capabilities of the entire team. • Have significant autonomy to identify opportunities and drive solutions across our payments and spend domains, with the support of experienced engineers who understand our unique architecture and business model. • Tilt is a remote-first company; travel for company offsites is expected at a minimum 2 times a year. • Scale one of the fastest-growing credit card platforms while building systems that directly contribute to Empower's mission of financial empowerment. • Drive adoption and utilization of our card products through engineering excellence. • Our AI-driven credit underwriting model has already proven successful, achieving exceptional approval rates with significantly lower customer acquisition costs. • Focus on scaling our platform to handle substantial growth—evolving our existing systems to support an expanding customer base while maintaining our competitive advantage. • Project focus areas include: enhancing AI-driven payment scheduling systems, scaling our rewards platform, optimizing virtual card infrastructure, building automated loss mitigation features, and creating sophisticated customer segmentation tools.

🎯 Requirements

• 7+ years developing web APIs within .NET (C#) • Experience building resilient financial systems with state machine logic and complex lifecycles • Ability to balance immediate business needs with long-term architectural considerations • Strong understanding of distributed systems, queue-based architectures, and data-intensive applications • Experience scaling consumer-facing products with significant transaction volumes • Ability to collaborate effectively with product, risk, and operational teams • Comfort making decisions with incomplete information and adapting as new data emerges • Skill in mentoring and elevating the capabilities of other engineers • Able to effectively leverage AI-powered development tools (e.g., Cursor, Augment, Factory) to enhance productivity, code quality, and collaboration.

🏖️ 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.