Senior Credit Manager, Mexico

Tilt; Ciudad de México; Hybrid; MXN 1,200,000 - 1,800,000; Full time

Benefits offered by this job

WFH office reimbursement

Competitive pay & equity

Flexible health plans

Leadership exposure

Paid global onsites

Job summary

Tilt is seeking a Senior Credit Manager for Mexico to own the day-to-day credit performance of our cash-advance product. You will set policy, tune pricing, and manage repeat-loan progression while balancing growth and profitability.

You will model unit economics, run experiments, monitor vintage performance, and collaborate with Data Science to productionize risk models. English fluency required; Spanish a plus. Remote with travel twice yearly.

Qualifications

• 5+ years in consumer credit risk, fintech or digital lending.
• Experience managing credit policy for a live portfolio.
• Experience leveraging AI tools to automate workflows.
• Built or owned a unit economics or valuations model.
• Designed and read A/B tests with guardrails.
• Clear written English for an executive audience with cross-functional influence.
• Working knowledge of the Mexican consumer lending market.

Responsibilities

• Own the credit performance of the core product in Mexico, shaping eligibility, loan amount, pricing, and progression.
• Model the unit economics and use valuations to inform decisions.
• Design, launch, and read test-and-learn experiments across borrower lifecycle.
• Monitor vintage performance, delinquency, and roll rates; diagnose and fix drift.
• Collaborate with Data Science to productionize risk models and monitor impact.
• Align with Product, Engineering, Collections, Finance, BI, and Marketing to drive changes.
• Share insights with other markets and participate in a unified global credit organization.

Skills

Credit risk management

Policy management

Experiment design

Data-driven decision making

English fluency

Tools

AI tools

Job description

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: Senior Credit Manager, Mexico

Mexico was Tilt's first market outside the US. Since 2022, our cash advance product has helped over 1 million customers access short-term credit on transparent, affordable terms. We are hiring a Senior Credit Manager to own the day-to-day credit performance of that product: the policy, the unit economics, the experiments, and the results. You will report to the Head of Credit, Mexico, and work across a small, high-impact set of leaders in credit, data science, and collections.

This is a remote role with a strong preference for candidates based in Mexico. Travel for company onsites is expected at least twice a year.

How You'll Make An Impact

• Own the credit performance of our core product: Set and tune the cash advance credit policy in Mexico, encompassing eligibility, loan amount assignment, pricing, and repeat-loan progression. Your decisions will strike the optimal balance between growth and profitability for the product.
• Model the unit economics: Maintain and improve the valuations model that is the foundation of credit and marketing decision‑making. Use it to measure performance, identify opportunities, and turn those opportunities into results.
• Run the test-and-learn agenda: Design, launch, and read experiments across the borrower lifecycle.
• Monitor and intervene: Track vintage performance, early delinquency, and roll rates. Catch drift early, diagnose the cause, and fix it.
• Turn model releases into policy: Partner with Data Science to take new risk models from validation to production, size the impact, and own the release and monitoring plan.
• Drive results across the business: Work with Product, Engineering, Collections, Finance, BI, and Marketing to get changes built and measured.
• Give and get: Share insights with and learn from the credit teams in our other markets. You will be part of a unified global credit organization that operates at the highest standards across Mexico, Brazil, India, the Philippines, and the U.S.

Why You're a Great Fit

• 5+ years in consumer credit risk, fintech or digital lending experience preferred.
• You have experience managing credit policy for a live portfolio.
• You have experience getting leverage from agentic AI tools to improve the velocity and quality of your work. You are excited about experimenting with new tools to automate workflows and accelerate your impact.
• You have built or owned a unit economics or valuations model and used it to make business decisions.
• You have designed and read A/B tests with guardrails, and you can distinguish between signal and noise.
• You write clearly for an executive audience and can move Product, Engineering, and Data Science partners without formal authority.
• You have working knowledge of the Mexican consumer lending market.
• You have professional fluency in English. Knowledge of Spanish is a plus.

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.