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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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 – India We'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.
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: Lead Engineer - India Tilt is looking for a hands-on technical expert to spearhead the system redesign of NIRA, our newly acquired credit business, in India. This is a senior IC role, not a people management one. NIRA is building the leading financial brand for Middle India—a market of 200 million people underserved by traditional banks. With customers in 5,000+ cities & with growth engine on, they process 15,000 new loan applications daily, growing 12-15% MoM. NIRA is solving a massive problem with technology-first lending, offering instant credit via their mobile app. As Lead Engineer at NIRA, you will design, build and scale production systems that power real-time credit decision engines, loan origination, and loan management throughout the loan lifecycle to repayments and resizing of credit lines. You'll be instrumental in building the tech stack for credit and other relevant products for NIRA’s customers built on the innovative public financial rails, the India Stack. This will be an in office role that will report to NIRA’s founders in India, while partnering with global engineering teams at Tilt including US, LatAm, and SE Asia. The ideal candidate is someone who has the experience of scaling a product from a few millions to tens of millions of users in an individual contributor role. Your work would have enabled decision making & deployment of product iterations based on purpose fit A/B testing or other decision systems. Your work would have also led to rapid prototypes and integrations on both the demand and supply side of the business. How You'll Make an Impact Architect & Scale: Own the end-to-end design, development, and deployment of our highest impact systems across loan lifecycle including credit decision, loan origination and management. Calculated risk taking: Within a small group, prototype, integrate, and deploy new technologies, solutions and rewrites that allow us to run the ongoing business while also pushing the envelope on redesigning for future scale. Collaborate with Credit & Partner Lender team: Build system capability to rapidly iterate in two dimensions: a) addition of new data sources, segments and credit decision components, and b) addition of new lending partners. Build internal platform tools: To support and catalyse recurring engineering workloads in the team. Mentor & Lead: Primarily by example, but also undertake team coaching initiatives aimed at striving for engineering high road. Partner with other engineering teams operating internationally and in the US to identify transferable learnings, and common artefacts that can be utilized across all businesses. Why You're a Great Fit Bachelor’s degree in Engineering, Computer Science, Mathematics or a similar quantitative field 6+ years of industry experience in backend development on large-scale, high-traffic production systems Strong hands-on expertise in databases (open source & managed), APIs, servers and backend architecture Communicate effectively about details but also zoom out and convey impact to executive audience Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you! Our Tech Stack Backend: Modular microservices (serverless deployment) Languages: Java, Python, NodeJS Databases: DynamoDB (primary), AWS Glue + Athena (secondary) Data Science & Decisioning: Python-based models deployed on serverless architecture Internal Tools: NodeJS for Operations workflow management Note that this is a full-time, in-office role based in Bangalore, India (few days a week can be WFH) 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 engineers to discuss your expertise and problem-solving approach through real-world scenarios. Leadership Conversation: A final conversation with the Co-Founder of NIRA 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.
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. About NIRA NIRA is an exciting fintech startup which, starting with credit, is building financial services for India’s mass market. Today, if you were to think of the largest financial brands in India, you’d think of the banks: HDFC, ICICI, Kotak etc. They all serve the richest cohort of India’s society. Over the last few years some newer brands have emerged that target upwardly mobile millennials; think Slice, Moneyview, Uni Cards etc. The mass market, or Middle India, remains a white space. This is the gap that NIRA is looking to fill. Launched in 2018, NIRA has found a very strong product market fit, and has established itself as the category leader for the mass market segment. Since the passing of Covid, the company grew quickly and achieved profitability in 2023. Last year brought some challenging headwinds, but we weathered those well and are well placed for our next phase of growth. This is a huge market, we need to go after it. Beyond personal loans, we’ll introduce both new credit and non-credit products. NIRA will become the holistic provider of financial services for Middle India. The opportunity: Head of Compliance Lead NIRA's regulatory strategy and compliance framework as we scale our fintech platform across India's mass market. You'll ensure adherence to RBI regulations while enabling business growth, acting as our primary regulatory liaison and building the compliance culture that will support our expansion into new financial products and markets. How you'll make an impact Build the Foundation: Develop and implement comprehensive compliance programs across the organization, ensuring adherence to RBI regulations and positioning NIRA for sustainable growth in the evolving fintech landscape. Navigate Regulatory Complexity: Monitor regulatory changes and provide strategic guidance to leadership on implications for operations, helping the company stay ahead of compliance requirements in digital lending and NBFC operations. Drive Risk Management: Conduct regular compliance audits, risk assessments, and internal reviews to proactively identify and mitigate potential regulatory risks before they impact business operations. Lead External Relations: Serve as primary liaison with regulatory bodies including the RBI, manage external compliance audits, and coordinate with lending-partner NBFCs on due diligence and joint audits. Empower the Organization: Design and implement compliance training programs that ensure all team members understand regulations and their compliance obligations, strengthening our culture of regulatory excellence. Enable Cross-Functional Success: Collaborate closely with legal, operations, and finance teams to ensure alignment on compliance matters while balancing regulatory requirements with business objectives. Establish Documentation Standards: Develop and maintain comprehensive documentation for compliance policies, procedures, and controls that support both current operations and future expansion. Why you're a great fit Minimum 8 years of compliance experience with at least 3 years specifically in financial services, demonstrating deep understanding of regulatory frameworks. Extensive knowledge and practical experience with RBI regulations, particularly in digital lending and NBFC operations - you understand both the letter and spirit of the regulations. Prior experience working in an NBFC environment, giving you firsthand knowledge of the regulatory challenges and operational requirements we face. Proven leadership ability with experience taking ownership of compliance culture and strengthening organizational regulatory practices. Startup experience or entrepreneurial mindset - you thrive in fast-paced environments where you need to build processes from the ground up. Hands-on approach to problem-solving - you're willing to roll up your sleeves and tackle compliance challenges at all organizational levels. Degree in Law, Finance, or related field, with additional compliance or regulatory certifications preferred. Strong communication and organizational skills with ability to navigate complex regulatory environments while supporting business growth. 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 conversation with a leader 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.
Role Overview: At Tilt, you will have the opportunity to join the NIRAs engineering team as a Senior Software Engineer. You will play a crucial role in shaping the strategy for the infrastructure and product roadmap, allowing you to make a direct and outsized impact on technical projects. This position, based in Bengaluru, offers enormous potential for career growth and the flexibility to work 1-2 days from home once onboarded. Key Responsibilities: - Work closely with the local NIRA Engineering team and collaborate with the broader APAC Engineering team to enhance the scalability of our platform. - Expand the platform to support multiple financial products and underlying instruments. - Strengthen fraud detection and prevention systems. - Collaborate effectively with product, credit/finance, compliance, support, and analytics teams. Qualifications Required: - Strong experience in Java, with additional experience in .NET being beneficial. - Demonstrated proficiency in working in AWS-native environments, utilizing tools such as DynamoDB, Athena, and Lambda. - Prior experience with scaled technical solutions and projects focused on increasing platform scalability. - Excellent communication skills to articulate technical solutions clearly and collaborate with colleagues globally. - Possess a Product Engineer mentality, taking ownership of solutions from inception to completion. Additional Details: Tilt (formerly Empower) is a company that focuses on recognizing real potential beyond outdated credit scores, using innovative mobile-first products and machine learning-powered credit models. The company is dedicated to creating a new credit system that supports hardworking individuals in achieving their financial goals. Tilt offers a virtual-first teamwork environment, complete with flexible health plans, leadership exposure, paid global onsites, and growth opportunities based on contributions. Join Tilt in building the credit system that people deserve and contribute to expanding access to fair credit for millions of hardworking individuals.,
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. This role is based in our Bangalore office. About The Role The Growth Analyst at NIRA will play a pivotal role in driving customer acquisition and optimising business performance through data-driven insights and marketing execution. This role blends deep analytical capability with hands-on campaign management across digital platforms such as Meta, Google, and others. The ideal candidate will use data to guide growth strategy, optimise funnels, and improve key business metrics like CAC and LTV. Who is NIRA? NIRA was acquired by Tilt in 2024 and is redefining financial services for India’s mass market , an underserved segment beyond traditional banks and fintechs. After achieving profitability in 2023 and strong product-market fit , we’re entering our next growth phase. This role is key to driving that expansion—scaling acquisition, uncovering insights, and shaping how NIRA grows across Middle India. About You Bachelor’s degree in Engineering, Statistics, Economics, or a related quantitative discipline. 2+ years of experience as a Business Analyst, Growth Analyst, or Performance Marketing Manager in a data-driven environment. Strong SQL proficiency and comfort working with large datasets. Experience with data visualization tools (e.g., QuickSight, Looker Studio, Power BI). Hands-on experience running campaigns on Meta Ads Manager and Google Ads (agency or in-house). Excellent analytical, problem-solving, and quantitative reasoning skills. Ability to translate data into clear narratives and strategic recommendations. Familiarity with marketing attribution, funnel metrics, and A/B testing methodologies. Strong collaboration and communication skills; thrives in a fast-paced, cross-functional startup environment. 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.
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. This role is based in our Bangalore office. About The Role The Growth Analyst at NIRA will play a pivotal role in driving customer acquisition and optimising business performance through data-driven insights and marketing execution. This role blends deep analytical capability with hands-on campaign management across digital platforms such as Meta, Google, and others. The ideal candidate will use data to guide growth strategy, optimise funnels, and improve key business metrics like CAC and LTV. Who is NIRA NIRA was acquired by Tilt in 2024 and is redefining financial services for India's mass market , an underserved segment beyond traditional banks and fintechs. After achieving profitability in 2023 and strong product-market fit , we're entering our next growth phase. This role is key to driving that expansionscaling acquisition, uncovering insights, and shaping how NIRA grows across Middle India. About You Bachelor's degree in Engineering, Statistics, Economics, or a related quantitative discipline. 2+ years of experience as a Business Analyst, Growth Analyst, or Performance Marketing Manager in a data-driven environment. Strong SQL proficiency and comfort working with large datasets. Experience with data visualization tools (e.g., QuickSight, Looker Studio, Power BI). Hands-on experience running campaigns on Meta Ads Manager and Google Ads (agency or in-house). Excellent analytical, problem-solving, and quantitative reasoning skills. Ability to translate data into clear narratives and strategic recommendations. Familiarity with marketing attribution, funnel metrics, and A/B testing methodologies. Strong collaboration and communication skills; thrives in a fast-paced, cross-functional startup environment. 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.
Role Overview: Join the Tilt team at NIRA as a Growth Analyst, where you will play a crucial role in driving customer acquisition and optimizing business performance through data-driven insights and marketing execution. You will blend deep analytical capabilities with hands-on campaign management across digital platforms like Meta, Google, and others. Your main responsibilities will include using data to guide growth strategy, optimize funnels, and improve key business metrics such as CAC and LTV. Qualification Required: - Bachelor's degree in Engineering, Statistics, Economics, or a related quantitative discipline. - Minimum of 2 years of experience as a Business Analyst, Growth Analyst, or Performance Marketing Manager in a data-driven environment. - Proficiency in SQL and comfort working with large datasets. - Experience with data visualization tools such as QuickSight, Looker Studio, Power BI. - Hands-on experience in running campaigns on Meta Ads Manager and Google Ads (agency or in-house). - Excellent analytical, problem-solving, and quantitative reasoning skills. - Ability to translate data into clear narratives and strategic recommendations. - Familiarity with marketing attribution, funnel metrics, and A/B testing methodologies. - Strong collaboration and communication skills; thrive in a fast-paced, cross-functional startup environment. About The Company: At NIRA, now a part of Tilt, we are redefining financial services for India's mass market, focusing on an underserved segment beyond traditional banks and fintechs. With a profitable 2023 and strong product-market fit, we are embarking on our next growth phase. Your role as a Growth Analyst is pivotal in scaling acquisition, uncovering insights, and shaping NIRA's growth across Middle India. Additional Details: The Tilt team values excellence and impact, fostering an environment where every voice is valued, and mutual respect is non-negotiable. Brilliant jerks need not apply. The company is dedicated to expanding access to fair credit and believes in the incredible potential of people. By joining Tilt, you are not just another employee; you are contributing to helping millions of hardworking individuals achieve better financial futures.,