Staff Backend Engineer - NIRA

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.

Location: Bangalore (Hybrid)

As a Staff Backend Engineer on NIRA, you'll play a pivotal role in shaping the technical direction of a critical domain within our credit platform. You'll lead a complex product area end-to-end, from strategy through execution, while working closely with our Principal Engineer, GM, and cross-functional partners across NIRA, Cashalo, and our US teams.

• Own a domain: Lead strategy, design, and delivery for a core part of NIRA's platform.

• Set technical direction: Spot strategic needs and surface risks before they become problems.

• Drive complex initiatives: Take large, high-stakes projects from design to ship.

• Champion AI-native engineering: Push adoption of tools like Claude, Cursor, and Augment across the team.

• Mentor engineers: Level up engineers up to Senior, and raise the technical bar in Bangalore.

• Lead incidents: Own SEV1 and lower incident response through to resolution.

• Bridge global teams: Align with Principal Engineering and peers across NIRA, Cashalo, and US teams.

• Influence the roadmap: Shape product direction through technical tradeoffs, not just execution.

• Simplify systems: Cut complexity out of designs before it compounds.

• 7+ years building web APIs, ideally in Java and Spring Boot

• Deep experience with financial systems: state machines, complex lifecycles

• Strong grasp of distributed systems and queue-based architectures

• Proven track record scaling consumer products at high transaction volume

• End-to-end ownership: design, execution, and reporting on your own initiatives

• Comfortable deciding fast with incomplete information

• A mentor who actively raises the bar for engineers around you

• Genuine enthusiasm for AI dev tools, not just tolerance of them

• Bias for simplicity over clever abstractions

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.