Senior Finance Lead, Credit Card

🕒 August 19

🇺🇸 United States – Remote

💵 $175k - $225k / year

⏰ Full Time

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

👻 Ghost score 4%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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

• Own the Credit Card P&L, including monthly forecast-versus-actual processes, variance analysis, and financial reporting • Provide inputs to company-wide board and executive materials • Serve as the primary finance partner to Credit Card leadership and attend business-unit staff meetings • Identify financial risks and opportunities in real time and translate operating decisions into financial impact • Build and maintain the Credit Card unit economics model covering CAC, LTV, contribution margin, portfolio yield, delinquency, and loss curves • Evaluate new product, pricing, and credit-line initiatives • Lead Credit Card inputs to annual planning and quarterly reforecasts • Partner with Credit, Product, and Marketing to size and evaluate initiatives • Translate model and portfolio performance into financial terms for leadership • Identify risks and opportunities and proactively recommend strategic actions • Implement AI-enabled workflows for reporting, variance analysis, and ad hoc modeling • Build and maintain dashboards and automated reporting infrastructure

🎯 Requirements

• 6+ years of experience in strategic finance, FP&A, bizops, management consulting, or investment banking • Lending, credit card, or consumer finance experience strongly preferred • Demonstrated experience owning a P&L or business unit's financial narrative at a senior level • Direct engagement with BU and executive leadership • Strong unit economics and financial modeling skills • Exposure to credit/lending economics, including loss rates, yield, CAC/LTV, ideally • Comfortable with SQL • Hands-on experience using AI tools such as Claude, ChatGPT, or Copilot to drive efficiency in financial analysis or reporting • Experience building and scaling AI-assisted analysis workflows • Proven ability to build trust and influence with product, credit/risk, and marketing leaders • Resourceful, hands-on approach and comfort working in the details • Strong strategic thinking and ability to structure ambiguous problems independently with minimal oversight • Excellent verbal and written communication skills • Comfort presenting to senior, executive, and board-level audiences • Advanced degree (MBA or related) preferred • Experience working across international markets or with global/multi-currency businesses is a plus

🏖️ Benefits

• WFH office reimbursement • Competitive compensation packages • Generous equity • Flexible health plans at every premium level • Substantial health plan subsidies • Direct exposure to the leadership team • Paid global onsites twice yearly • Growth opportunities based on contributions rather than rigid promotion timelines