Sr. Credit Analytics Manager - Cards

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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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.

Tilt is searching for a talented analyst to lead the development of strategies and tools that help customers get and stay current. This is a high-impact role for someone who thrives at the intersection of analytics, customer insight, and cross-functional execution. You’ll be responsible for building and scaling Tilt's loss mitigation toolkit for our Credit Card product. This role will sit on the Credit and Data Science team, but you will partner closely with Product, Engineering, Legal, Compliance, Finance, and third-party vendors to design and implement solutions that improve losses while meeting customer needs. This is a unique opportunity to shape a new function within a growing fintech company and have a direct impact on customer outcomes and bottom-line performance.

Travel for company offsites is expected at a minimum 2 times a year.

• Build Tilt's Loss Mitigation Toolkit for the Credit Card business, including:

  • Identify and close gaps in Tilt's loss mitigation toolkit by evaluating industry-standard offerings and partnering with Product and Engineering to develop essential tools that address customer needs and drive recoveries.

  • Launch and manage partnerships with Debt Settlement Companies, including initial onboarding, product and policy design, ongoing monitoring, and iterative testing to optimize recovery and take rates.

  • Manage and optimize Tilt's relationship with our third-party Collections vendors, including monitoring outcomes, troubleshooting performance gaps, and deploying test strategies to improve right party contact rates and recoveries.

• Own the strategy and roadmap for delinquent customers, including sizing opportunities, setting priorities, and continuously iterating on programs to maximize impact.

• Collaborate effectively across the business:

  • With Product & Engineering to build backend and customer-facing tools aligned to strategy

  • With Operations and External Vendors to ensure smooth execution and feedback loops

  • With Compliance and Legal to ensure offerings meet regulatory standards

  • With Finance to forecast recoveries and evaluate business impact

• B.S. degree in engineering, business, finance, computer science or mathematics

• 4+ years industry experience in data analytics and credit risk management

• Strong analytical and problem-solving skills; able to develop strategies from data and execute them in the real world

• Experience working cross-functionally with Product, Engineering, and external vendors

• Comfortable owning complex, ambiguous workstreams with end-to-end accountability

• Strong customer empathy and a passion for helping underserved populations improve their financial health

• Experience designing tests and building credit policies

• Ability to independently run own analyses in Python (SQL ok replacement)

• (Preferred) At least two year at a bank or FinTech working in credit analytics

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.