Senior Backend Engineer - Thrive

At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

The Opportunity: Sr. Software Engineer - Line of Credit (Thrive) platform

Join our high-caliber Line of Credit (Thrive) engineering team as a Senior Backend Engineer. You’ll play a pivotal role in expanding our Line of Credit platform, launching new financial products, and optimizing existing ones. Reporting to the Engineering Manager of the team, you’ll collaborate with other senior/staff engineers and cross-functional partners to deliver features that directly impact the company’s #2 revenue driver.

Tilt is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.

How you’ll make an impact

• Architect, build, and enhance backend services powering the Thrive Line of Credit and future products.

• Expand the platform to support multiple financial products and underlying instruments.

• Strengthen fraud detection and prevention systems.

• Deliver customer-facing features and internal tools to ensure reliability, performance, and scale.

• Collaborate with product, credit/finance, compliance, support, and analytics teams.

• Contribute to technical discussions, code reviews, and roadmap planning.

• Drive continuous improvement in code quality, security, and operational excellence.

Why you’re a great fit

• Strong software engineering fundamentals and coding skills.

• Experience building and maintaining distributed systems or data-intensive applications.

• Familiarity with cloud-native architectures and modern backend frameworks.

• Proven track record shipping features for consumer-facing products.

• Ability to translate product requirements into robust technical solutions.

• Excellent communication and cross-functional collaboration skills.

• Self-sufficiency in managing tasks and sharing progress.

• Able to effectively leverage AI-powered development tools (e.g., Cursor, Augment, Factory) to enhance productivity, code quality, and collaboration.

Nice-to-haves:

• Previous fintech or credit/lending platform experience.

• Exposure to fraud prevention or risk systems.

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

• 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.

We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures.

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.