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Tilt is a fintech company that uses machine learning and real-time financial signals to provide accessible credit products to millions of customers worldwide. The company operates in multiple markets including Mexico, Brazil, India, the Philippines, and the US.
You will join as Senior Credit Manager for Mexico, reporting to the Head of Credit, Mexico. This role owns the day-to-day credit performance of Tilt's cash advance product in Mexico, which has served over 1 million customers since 2022.
Key responsibilities include:
- Own credit policy decisions for the cash advance product: set eligibility criteria, loan amount assignment, pricing, and repeat-loan progression to balance growth and profitability.
- Build and maintain the unit economics/valuations model that underpins credit and marketing decisions; use it to identify and execute on opportunities.
- Design, launch, and analyze A/B tests across the borrower lifecycle to drive continuous improvement.
- Monitor portfolio performance metrics including vintage performance, early delinquency, and roll rates; identify and diagnose drift quickly.
- Partner with Data Science to move new risk models from validation to production, quantify impact, and own release and monitoring plans.
- Collaborate cross-functionally with Product, Engineering, Collections, Finance, BI, and Marketing to implement changes and measure results.
- Share insights and learn from credit teams across Tilt's global markets, contributing to a unified global credit organization operating at the highest standards.
You will work in a remote-first environment with a strong preference for Mexico-based candidates. Travel to company onsites is expected at least twice per year.
REQUIREMENTS:
- 5+ years in consumer credit risk, fintech, or digital lending experience preferred.
- Experience managing credit policy for a live portfolio.
- Experience leveraging agentic AI tools to improve work velocity and quality; excitement about experimenting with new automation tools.
- Built or owned a unit economics or valuations model and used it for business decisions.
- Designed and read A/B tests with guardrails; ability to distinguish signal from noise.
- Clear writing for executive audiences; ability to influence Product, Engineering, and Data Science partners without formal authority.
- Working knowledge of the Mexican consumer lending market.
- Professional fluency in English; Spanish knowledge is a plus.
