The Opportunity: Senior Credit Manager, US CoreTilt 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.
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.
How You'll Make an Impact- 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.
Why You're a Great Fit- 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.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.
