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 Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential.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.
The Opportunity: Sr. Software Engineer - Credit Card
As a Senior Engineer on our Card team, you'll join a high-caliber engineering organization at a critical inflection point in Empower's growth trajectory. You'll work across our Card Spend and Card Payments domains, implementing key features that power our AI-driven credit platform. This role reports to the Engineering Manager for the team and collaborates with Staff and Principal Engineers to execute our card platform strategy.
Within our team structure, you'll independently execute on features of moderate to high complexity. You'll bring valuable opinions to discussions about product direction and team roadmap, helping shape how we approach critical challenges in both the spending and payments domains. While you'll have guidance from more senior team members, you'll be self-sufficient in managing your work and communicating progress to stakeholders.
Empower is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.
How You'll Make an Impact
You'll make a significant impact by implementing and enhancing features that directly drive adoption and utilization of our card products. Our credit business represents a substantial and rapidly growing portion of Empower's revenue - your engineering contributions will be directly tied to achieving our ambitious growth targets.
We're looking for someone to improve and scale systems with proven market fit. instead, you'll be improving and scaling systems that have proven market fit. You'll implement features that enhance the user experience, optimize our infrastructure, and help transition our platform from serving our initial customer base to supporting a rapidly growing portfolio of card products.
Depending on team needs and your interests, you'll implement features across the card lifecycle, such as:
Enhancing user interfaces for transaction visibility and spending insights
Building components of our rewards system to increase engagement
Implementing account status management and payment scheduling features
Creating integration points with our AI-driven risk management systems
Developing tools for both customers and internal teams to manage card operations
Your work will span both customer-facing features that drive engagement and internal systems that ensure reliability and performance as we scale. You'll work with clear requirements but will have the autonomy to make implementation decisions and suggest improvements to product plans.
Why You're a Great Fit
As a Senior Engineer on the Card team, you'll need:
Strong software engineering fundamentals and coding skills
Experience implementing features for consumer-facing products
Understanding of financial transactions and payment systems
Ability to work with distributed systems and data-intensive applications
Skill in translating product requirements into effective technical solutions
Experience with handling complex state management in user interfaces
Knowledge of secure coding practices for financial applications
Self-sufficiency in communicating work status and managing tasks
Comfort bringing opinions to technical and product discussions
Ability to collaborate effectively with product managers, designers, and other engineers
This role offers an excellent opportunity to make a meaningful impact on products that directly improve people's financial lives while growing your skills in a rapidly scaling fintech environment.
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 TiltVirtual-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.
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What We Do
Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed. This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech. Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.
Why Work With Us
How are we providing financial opportunity for our customers? With a world-class team that celebrates ambitious goal-setting, creative problem solving, and individual ownership. We’re a remote-first company working worldwide and encourage flexible work schedules with a low-meeting culture that emphasizes asynchronous teamwork and accountability.
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