Risk Operations Transformation Lead

Posted Yesterday
Be an Early Applicant
Hiring Remotely in United States
Remote
100K-115K Annually
Senior level
Fintech • Analytics • Financial Services
The Role
Lead Risk Operations transformation programs from problem definition through implementation and measurement. Own automation initiatives, process redesign, tooling improvements, partner transitions, operational metrics, readiness, and continuous improvement. Collaborate with Risk Operations, Fraud Strategy, Compliance, Product, Engineering, Data, Shared Services, and Vendor Management to deliver measurable gains in service levels, quality, risk outcomes, backlog, and cost.
Summary Generated by Built In
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: Risk Operations Transformation Lead

Tilt is hiring a Risk Operations Transformation Lead to help Risk Operations scale through better processes, tooling, analytics, partner delivery and automation. This is a hands-on, execution-oriented role where you will lead changes from problem definition through implementation and measurement, including: redesigning operational processes, improving internal tooling, transitioning appropriate work to external partners or automation, establishing operating metrics, and ensuring teams are ready when policies, products or systems change.
This is not a traditional project coordination or PMO role. You'll own a portfolio of programs and be accountable for measurable improvements, working closely with Risk Operations, Fraud Strategy, Compliance, Product, Engineering, Data, Shared Services and Vendor Management.
Tilt is a remote-first company that fosters connectivity through regular offsites. Travel for company offsites is required at least twice per year.

How you’ll make an impact
  • Serve as the Risk Operations business owner for AI Enabled Operations, prioritizing automation opportunities by volume, complexity, customer impact and operational risk

  • Define the requirements, decision logic, controls and success measures for Risk automation, and partner with Product and Engineering through design, testing and launch

  • Monitor automation after launch (adoption, accuracy, quality, risk outcomes and savings) and lead improvements when results fall short

  • Lead transformation programs that simplify Risk Operations processes, workflows, roles and handoffs, from problem definition through adoption and measurement

  • Identify work that can move to better tooling, self-service capabilities or BPO partners, and define tooling improvements with Product and Engineering

  • Work with Shared Services and Vendor Management on operational readiness, including documentation, training, quality controls, escalation paths and post-launch monitoring

  • Define the metrics that show performance, capacity, quality and risk trends, and use them to find root causes and prioritize improvements

  • Keep new processes, tools and automation aligned with requirements set by Compliance, Fraud Strategy and other policy owners

  • In your first 90 to 180 days: build a prioritized program portfolio, deliver initial improvements, and show measurable movement in an outcome such as SLA attainment, backlog age, quality, loss outcomes or cost per case


Why you’re a great fit
  • 5+ years of experience in Risk Operations, Fraud Operations, Disputes, Credit Risk, Trust and Safety, Compliance Operations, operations strategy, program management or a related field

  • Track record leading operational improvement or transformation programs, including redesigning processes, implementing tools or launching automation, from problem definition through measurement

  • Strong understanding of how operational queues, investigations, reviews and escalations work in practice

  • Strong analytical skills, with experience using operational data to identify trends, diagnose root causes and make recommendations

  • Able to turn ambiguous problems into clear plans, requirements and measurable results while managing multiple complex initiatives

  • Able to influence stakeholders and drive decisions without direct authority

  • Clear written and verbal communication with frontline teams, technical partners and senior leadership

  • Sound judgment on operational risk, controls, prioritization and escalation

  • Experience in fintech, payments, banking or another highly regulated environment

  • Preferred but not required: BPO or distributed-team transitions; change-management experience; writing product or business requirements; SQL and Looker, Tableau or Databricks; familiarity with capacity models, SLA and quality measures, and regulations such as Reg E, Reg Z and UDAAP

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.

Skills Required

  • 5+ years of experience in Risk Operations, Fraud Operations, Disputes, Credit Risk, Trust and Safety, Compliance Operations, operations strategy, program management, or a related field
  • Experience leading operational improvement or transformation programs from problem definition through measurement
  • Strong understanding of operational queues, investigations, reviews, and escalations
  • Strong analytical skills using operational data to identify trends, diagnose root causes, and make recommendations
  • Ability to turn ambiguous problems into clear plans, requirements, and measurable results while managing multiple complex initiatives
  • Ability to influence stakeholders and drive decisions without direct authority
  • Clear written and verbal communication with frontline teams, technical partners, and senior leadership
  • Sound judgment regarding operational risk, controls, prioritization, and escalation
  • Experience in fintech, payments, banking, or another highly regulated environment
  • Experience with BPO or distributed-team transitions
  • Change-management experience
  • Experience writing product or business requirements
  • SQL experience
  • Experience with Looker, Tableau, or Databricks
  • Familiarity with capacity models, SLA and quality measures, and regulations such as Reg E, Reg Z, and UDAAP

Tilt (formerly Empower) Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Tilt (formerly Empower) and has not been reviewed or approved by Tilt (formerly Empower).

  • Healthcare Strength — Observations indicate the company highlights full health coverage with flexible plan options and substantial subsidies, signaling strong core medical support. The remote-first package also presents comprehensive coverage as a central pillar of the offer.
  • Fair & Transparent Compensation — Signals such as market-aware role-by-role salary pages and a generally positive pay posture suggest compensation is broadly competitive and benchmarked. Feedback suggests this visibility helps candidates sanity-check offers even as specifics vary by location and level.
  • Wellbeing & Lifestyle Benefits — A virtual-first setup with a home-office subsidy, low-meeting culture, and paid global on-sites supports day-to-day flexibility and team connection. These elements are positioned as quality-of-life perks alongside core pay and insurance.

Tilt (formerly Empower) Insights

Am I A Good Fit?
beta
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.

The Company
HQ: San Francisco, CA
252 Employees
Year Founded: 2012

What We Do

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.

Similar Jobs

Remote
USA
3000 Employees
Remote
USA
3000 Employees

Toast Logo Toast

Staff Software Engineer

Cloud • Fintech • Food • Information Technology • Software • Hospitality
Remote
US
5000 Employees
193K-309K Annually

Toast Logo Toast

Staff Software Engineer

Cloud • Fintech • Food • Information Technology • Software • Hospitality
Remote
US
5000 Employees
193K-309K Annually

Similar Companies Hiring

Hanover Park Thumbnail
Artificial Intelligence • Fintech • Software • Financial Services
New York, New York
42 Employees
Kepler  Thumbnail
Artificial Intelligence • Fintech • Software
New York, New York
9 Employees
Onshore Thumbnail
Artificial Intelligence • Fintech • Software • Financial Services
New York, New York
60 Employees

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account