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Tilt is a fintech company using machine learning and real-time financial signals to provide credit access to underserved populations globally. The company operates multiple products including NIRA (India) and Cashalo, serving millions of customers across 14 countries.
As a Staff Backend Engineer on the NIRA platform, you will lead a critical domain within Tilt's credit platform, owning strategy, design, and delivery end-to-end. You'll work closely with the Principal Engineer, General Manager, and cross-functional partners across NIRA, Cashalo, and US teams.
Key responsibilities include:
- Owning a core domain: lead technical strategy, design, and delivery for a critical part of NIRA's platform
- Setting technical direction: identify strategic needs and surface risks proactively
- Driving complex, high-stakes initiatives from design through shipping
- Championing AI-native engineering practices and tools (Claude, Cursor, Augment) across the team
- Mentoring engineers to Senior level and raising the technical bar in Bangalore
- Leading incident response for SEV1 and lower-severity incidents to resolution
- Bridging global teams and aligning with Principal Engineering and peers across products
- Influencing product roadmap through technical tradeoffs and architectural decisions
- Simplifying system designs to prevent complexity accumulation
You'll work in a virtual-first, globally distributed environment with twice-yearly in-person onsites. The role offers direct exposure to leadership, competitive compensation with equity, flexible health plans with substantial subsidies, and growth opportunities tied to contributions rather than rigid timelines.
REQUIREMENTS:
- 9+ years building web APIs, ideally in Java and Spring Boot
- Deep experience with financial systems: state machines, complex lifecycles
- Strong understanding of distributed systems and queue-based architectures
- Proven track record scaling consumer products at high transaction volume
- End-to-end ownership capability: design, execution, and reporting on own initiatives
- Comfort making fast decisions with incomplete information
- Active mentorship experience raising the bar for engineers
- Genuine enthusiasm for AI development tools
- Bias for simplicity over clever abstractions
The company notes they care about potential over past experience and encourage applications from those bringing ambition and drive even if not meeting every qualification.