Join the Tilt team
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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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: Credit Analyst – IndiaWe're looking for a highly analytical, data-driven Credit Analyst to support the growth and risk management of our India lending business, NIRA Finance – a recent addition to the Tilt team. This role will help shape credit policy, drive performance insights, and partner cross-functionally to deliver impactful solutions for our customers.How You'll Make an Impact
- Develop new credit policies and regularly review and update existing ones to support Tilt's business in India. Collaborate with the technology team to implement and rigorously test these policy changes
- Conduct exploratory data analysis to uncover trends and actionable insights, while continuously monitoring portfolio performance and benchmarking against industry standards
- Collaborate closely with the Data Science team to influence and use models that solve business problems, monitor business outcomes and enhance analytical tools
- Work with NIRA's leadership team to refine and execute the business plans and agenda
- Partner with other credit and data science teams operating internationally and in the US to identify transferable learnings, strategies, and synergies and help implement them
- Partner with leaders in product, engineering, marketing, and finance to ensure that the team’s work fits within the larger picture
Why You're a Great Fit
- 2+ years of experience in credit risk, data analytics, or unsecured lending, preferably in the Indian financial services sector.
- Proficient in SQL, Python, and Excel for data analysis, automation, and performance reporting.
- Strong problem-solving skills and attention to detail, with the ability to dive deep and also communicate insights clearly.
- Familiarity with credit policy development and risk monitoring frameworks.
- Bachelor’s degree in Engineering, Finance, Economics, Computer Science, or a related field.
- Eager to learn and adapt in a fast-paced, globally distributed environment.
- Location: Bangalore, India (preferred).
Our Interview Process
- Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role.
- Hiring Manager Interview: A deeper discussion about your background and approach to solving challenges.
- Skills Panel: Meet with Tilt and NIRA team members to discuss your expertise and problem-solving approach through real-world scenarios.
- Leadership Conversation: A final conversation with our CEO to discuss our mission and how you could contribute to it (and how we can help you achieve your career goals along the way).
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.
What You'll Get At Tilt
- 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.
The Tilt Way
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.
