Senior Credit Manager, US Card

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: SENIOR CREDIT MANAGER, US CARD

Tilt is looking for a Senior Credit Manager to join our Card Customer Management team, focused on Line Management. Our existing line increase programs are healthy, but there's significant untapped opportunity beyond them: recovering spend, unlocking underutilized usage, and building the next generation of line management programs. This role exists to find and build that opportunity.

You'll work at the intersection of credit policy, quantitative analysis, and program design, partnering closely with Data Science and Product while independently owning the analytical work behind new program ideas — from identifying the opportunity, to designing and testing a policy, to scaling what works. This is an individual-contributor role with outsized visibility: you won't manage a team, but you will regularly partner with and influence senior leaders and cross-functional stakeholders across the business.

This role is a great fit for someone who wants deep ownership of high-impact analytical work and who's energized by taking a loosely-defined problem space and independently driving it to a tested, scalable solution — without waiting to be told what to build.

HOW YOU'LL MAKE AN IMPACT

- Ideate and build new line management programs: Independently identify, design, and test new programs and policies that complement our existing line management programs — for example, over-limit policies, dynamic or instant line increases, or incentive-based credit line increases.

- Own the analytica...