Senior Credit Analyst

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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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.

Empower is searching for a talented and strategic Senior Credit Analyst to grow our business and manage credit risk for our lending products. You will be joining in the early stages of a fast-growing company and will have the opportunity to help bring new products to market that shape our future.

The ideal candidate is passionate about using data and analytics to drive business growth and help customers improve their financial situation. This individual will lead workstreams across credit policy, testing, and valuations, while collaborating closely with product, tech, and finance teams to develop innovative solutions that drive value for Empower and our customers. The right person for this role is someone who excels at solving complex problems with accuracy, attention to detail, and a high degree of ownership. This role requires strong familiarity with SQL and Excel.

As a Senior Credit Analyst, you will play a key role in building and launching new credit products for our Mexico business. You will raise the bar for analytical excellence and data-driven decision-making across the company.

Travel for company offsites is expected at a minimum of two times a year.

• Lead the development and optimization of end-to-end credit policies for new lending products in Mexico.

• Build, maintain, and calibrate underwriting and account-management strategies of a nascent and rapidly growing loan portfolio.

• Design, execute, and measure experiments across the borrower lifecycle.

• Manage and iterate on the loan valuations model. Incorporate the model into the credit strategy and key decisions.

• Establish automated monitoring and alerting for core KPIs.

• Partner with Product/Engineering to define and deliver analytics and reporting requirements.

• Define and refine fraud and dispute controls.

• Support the Head of Credit in the multi-phase roadmap, aligning experiments, models, and controls to business objectives and Credit OKRs.

• Share knowledge and best practices, and raise analytical and execution standards across the team.

This role provides a unique opportunity to make a lasting impact on Empower’s growth, credit strategy, and risk management capabilities. If you are a strategic thinker with a passion for risk, analytics, and financial inclusion, we would love to hear from you.

• B.S. or advanced degree in engineering, business, finance, economics, computer science, mathematics, or a related field.

• 2+ years of industry experience optimizing product features and credit policy in Mexico through data-driven and quantitative analyses with personal loan, credit card, or line of credit products.

• Advanced SQL and Excel skills with exceptional accuracy and attention to detail; comfort building complex queries and models from raw data.

• Proven ability to lead analytics-driven initiatives and collaborate with Product, Engineering, Operations, and Finance; strong judgment and bias for action in ambiguous, fast-changing environments.

• Strong verbal and written communication skills; can translate complex metrics, systems, and trade-offs into clear recommendations for technical and non-technical partners.

• Experience designing and analyzing A/B tests and operational pilots; understanding of experimental design, guardrails, and causal inference basics.

• Experience working in or familiarity with the Mexican consumer finance space

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.

• 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.

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.