Credit Analyst, US Core

Tilt Finance

9d•$170,000 - $200,000•Remote

About The Position

Join the Tilt team. At Tilt, we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide, 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, US Core Tilt is looking for a Senior Credit 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. 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.

Requirements

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.

Responsibilities

Support the ongoing development and refinement of credit models and underwriting policies for Cash Advance, helping maintain quality and pace as the program evolves.
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.
Bring both a user/product lens and a quantitative credit policy lens to new initiatives — helping ideas move from concept to tested, scalable strategy.
Translate complex analysis into clear, decision-ready recommendations for senior stakeholders, and build the credibility to shape decisions without formal authority.
Work closely with data science, product, marketing and other credit and risk functions to keep initiatives moving and aligned with the broader business strategy.
Help scope and structure new analytical questions where the path isn't yet defined, and move initiatives forward with urgency and independent judgment.