Senior Credit Manager

Who you are

• This role is a great fit for someone who wants deep ownership of high-impact analytical work and who's energized by moving between rigorous quantitative analysis and creative, ambiguous conceptual problems
• 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
• 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
• 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

What the job involves

• Tilt is looking for a Senior Manager to support our Cash Advance business, one of our largest and most established product lines
• You'll work at the intersection of credit policy, model development, and product strategy, helping us maintain the rigor and velocity of our existing credit programs while supporting a growing agenda of new product experimentation
• This is an individual-contributor role with outsized visibility: you won't manage a team, but you will regularly partner with and influence senior leaders and cross-functional stakeholders across the business
• 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

Benefits

• Virtual-first teamwork: Great work happens anywhere. We're collaborating across 14 countries, 12 time zones
• Full health coverage: Find flexible plans at every premium level and substantial subsidies that stand up to global standards