Senior iOS Engineer

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 Cash Advance team owns Tilt’s flagship product, which helps users cover the gap between paychecks. Users get an advance based on their cash flow, pay no interest and no mandatory fees, and repay automatically on their next payday. Cash Advance is often the first thing a new subscriber does with Tilt, so it shapes whether they stay. It’s a live product at scale, with real users, real regulatory obligations and plenty of room to grow.
Our next chapter is making Cash Advance more useful in people’s everyday financial lives. That means getting users to their first advance faster, helping them come back with confidence, and building the foundation for what they graduate to next. Getting there requires validating ideas through focused experimentation before committing to full implementation. You’ll help lead that work on mobile. The team is lean and high-ownership. You’ll work closely with our product managers and backend engineers as you take on the mobile experience for these products.

Travel for company offsites is expected at a minimum 2 times a year.

• Drive the growth of Cash Advance: Own the mobile experience from sign-up to first advance to repeat use. You’ll optimize onboarding, conversion and repeat usage, and keep raising the bar on how users move from subscribing to taking their first advance and coming back.

• Run experiments that shape what Cash Advance becomes: Test different product constructs and UX approaches that make Cash Advance more useful in users’ everyday financial lives. You’ll work from hypothesis to launch, validating what works before we scale it.

• Operate at the outcome level: You’ll be trusted with an outcome, such as 40% conversion, and expected to improve it through your own problem-solving. That means working with design and product to find the right levers, not waiting for a spec that tells you exactly what to build.

• Hold the line on precision in a regulated product: In a regulated financial product, errors don’t just create bugs. They can trigger fee refunds, regulatory exposure and lost user trust. Your attention to detail is as much a product requirement as your engineering skill.

• Collaborate across the full stack: Partner with PMs, designers, data science and backend engineers to build financial experiences that hold up at every layer: technically, experientially and from a regulatory standpoint.

• Build across iOS and Android: iOS is your home base, but you’ll regularly ship on Android too. You’ll own features end to end on both platforms and keep the Cash Advance experience consistent for every user.

• 5+ years of experience as an iOS engineer building consumer-facing iOS products. You’re strong enough to own technical tradeoffs and quality without close oversight.

• A consumer product background is non-negotiable. You’ve built products that real users interact with daily. Candidates who are mainly interested in mobile infrastructure (such as app load time or build systems) or internal tooling might not be the right fit for this role.

• Product experimentation and analytics experience. You’ve worked with A/B testing frameworks such as Statsig or LaunchDarkly, and analytics platforms such as Amplitude or FullStory. The specific tools matter less than your ability to instrument experiments, analyze user behavior and turn what you learn into product decisions.

• Outcome-oriented, not ticket-oriented. You can take a problem and drive an improvement on your own: thinking through the user journey, partnering with design, designing experiments and iterating, without needing someone to prescribe the exact path.

• Attention to detail that goes beyond code quality. You understand that in a regulated product, the gap between what you meant to ship and what you actually shipped has real downstream consequences. You build accordingly.

• Comfortable working cross-platform. You’re excited to work in Android code as a regular part of your job, not just now and then. Hands-on experience shipping on both iOS and Android is a strong 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.

• 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.