Have you ever felt like traditional finance just doesn't quite 'get' people, especially the hardworking folks whose potential shines brighter than any credit score? At Tilt, we absolutely understand this feeling, and we're actively building a whole new system to change it. Our innovative mobile products and smart machine learning models look past the usual metrics, diving into over 250 real-time financial signals to truly see what individuals are capable of. With millions of customers worldwide, we're not just offering financial products; we're crafting a more equitable financial future for everyone.

Overview

We're now searching for a skilled Credit Analyst, US Core, to join our team. This pivotal role will provide essential support for our Cash Advance business, one of Tilt's most significant and well-established product lines. You'll find yourself at the dynamic intersection of crafting credit policy, developing sophisticated models, and shaping our product strategy. Your work will involve meticulously upholding the high standards and rapid pace of our existing credit programs, all while contributing to an exciting agenda of new product experimentation. This is a fully remote, worldwide opportunity, perfect for an individual contributor who thrives on high-impact analytical work. You won't be managing a team, but prepare for exceptional visibility and the chance to regularly partner with and influence senior leaders and cross-functional stakeholders across the business. If you're energized by truly moving the needle, this role offers deep ownership of challenging and rewarding projects.

Key Responsibilities

Strategic Credit Policy Development: Analyze complex financial data and market trends to develop, refine, and optimize credit policies for our US Core Cash Advance products, ensuring both rigor and flexibility.
Model Integration and Performance: Collaborate closely with data science and engineering teams to integrate new machine learning models into credit decisions, actively monitoring and evaluating their performance and impact.
Risk Management and Portfolio Health: Proactively identify potential credit risks, recommend mitigation strategies, and contribute to maintaining the overall health and growth of Tilt's credit portfolio.
New Product Experimentation: Support the ideation, analysis, and launch of new product features and credit offerings, providing crucial insights into credit implications and potential for success.
Cross-Functional Influence: Act as a subject matter expert, sharing insights and recommendations that influence product, marketing, and operational strategies, presenting findings clearly to senior leadership.
Data-Driven Insights: Conduct in-depth ad-hoc analyses to uncover opportunities for process improvement, efficiency gains, and enhanced customer outcomes.

Requirements

Analytical Acumen: Proven experience in credit analysis, risk management, or a similar quantitative role, ideally within a fast-paced fintech or financial services environment.
Data Proficiency: Strong ability to work with large datasets, extracting meaningful insights and presenting complex information clearly. Experience with SQL and/or Python/R for data analysis is highly desirable.
Credit Lifecycle Knowledge: Solid understanding of credit risk principles, underwriting processes, and regulatory requirements specific to consumer lending in the US market.
Strategic Thinking: Demonstrated ability to connect analytical findings to broader business objectives, contributing to strategic discussions and decision-making.
Collaboration and Communication: Excellent interpersonal and communication skills, with a track record of effectively partnering with diverse stakeholders across different functions and levels.
Problem-Solving Mindset: A proactive, curious, and resourceful approach to tackling challenges and driving innovative solutions.
Remote Work Capability: Self-motivated and disciplined, with a proven ability to thrive in a fully remote, distributed team environment.

What You'll Gain

Real Impact: Directly shape the future of credit access for millions, contributing to a truly revolutionary financial system.
Deep Ownership: Take charge of high-visibility projects from inception to implementation, seeing the direct results of your work.
Growth and Development: Expand your expertise at the forefront of machine learning and fintech innovation, working with a team that values continuous learning.
Collaborative Environment: Engage with brilliant minds across engineering, data science, product, and operations in a dynamic, supportive remote setting.
Global Reach: Be part of a worldwide team, making a difference on an international scale while enjoying the flexibility of a fully remote role.