Senior Credit Manager, US Card

Tilt; Northern (KY); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Virtual-first teamwork

Competitive pay

Health plans

Executive visibility

Global onsite visits

Job summary

Tilt is seeking a Senior Credit Manager for the US Card team to lead analytical work behind line management programs. You will own the end-to-end process from opportunity discovery through policy design, testing, and scaling, partnering with Data Science and Product.

This role offers cross-functional exposure to senior leaders, a chance to drive high-impact credit initiatives, and a data-driven approach to unlocking value in consumer lending.

Qualifications

• 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.
• Strong SQL or Python skills — you're comfortable running your own queries independently, and you're able to pair that effectively with AI tools to execute on analysis
• 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.

Responsibilities

• Own analytical work behind new credit line management programs, from opportunity identification to testing a policy and scaling what works.
• Collaborate with Data Science and Product; independently drive loosely-defined problems to tested, scalable solutions.

Skills

SQL

Python

Communication

Influence

Analytical thinking

Problem solving

Ambiguity management

Learning new tools

Education

Bachelor's in quant field

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, US Card

Tilt is looking for a Senior Credit Manager to join our Card Customer Management team, focused on Line Management. Our existing line increase programs are healthy, but there's significant untapped opportunity beyond them: recovering spend, unlocking underutilized usage, and building the next generation of line management programs. This role exists to find and build that opportunity.

You'll work at the intersection of credit policy, quantitative analysis, and program design, partnering closely with Data Science and Product while independently owning the analytical work behind new program ideas — from identifying the opportunity, to designing and testing a policy, to scaling what works. 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 taking a loosely-defined problem space and independently driving it to a tested, scalable solution — without waiting to be told what to build.

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.

• Strong SQL or Python skills — you're comfortable running your own queries independently, and you're able to pair that effectively with AI tools to execute on analysis

• 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 problem statement.

• Eagerness to learn new tools and methods, and to stay current with trends in credit, lending, and AI.

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.