Data Scientist

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: At Tilt, we don’t just see numbers on a spreadsheet; we see the people behind them. As The People’s Credit Company, we’re on a mission to kick down the doors of traditional finance. To do that, we need more than just technical expertise—we need a Senior Data Scientist who blends analytical grit with deep emotional intelligence. You’ll join our Methodologies group, the team responsible for building the foundational models that power our "people-first" philosophy. While others might play it safe with legacy credit scoring, you’ll be in the trenches using deep learning to find the truth in financial behavior. You’ll explore how neural networks, embeddings, and transformers can turn complex data into fair, accessible credit for everyone. As a Senior member of the team, you are a high-impact contributor who has moved beyond executing tasks to mastering the influence of the work. You are a bridge-builder—bold enough to challenge the status quo and thoughtful enough to bring your cross-functional partners along with you. How Youll Make an Impact Architecting the Future: You won't just run experiments; you’ll own the development and testing of deep learning architectures (transformers, embeddings, and NNs) that define how Tilt understands risk. Driving Strategy Across Teams: You’ll partner with peers in Engineering and Product to ensure our models aren't just "smart" in a lab, but effective and scalable in the real world. Translating Insights into Solutions: You’ll look past the symptoms of a data problem to find the root cause. You’ll define trade-offs and turn complex findings into clear, actionable solutions for our lending platform. Owning the Workstream: With general direction from leadership, you will take full ownership of your projects—from initial hypothesis to measuring the outcome for our customers. Elevating the Craft: You’ll share your findings and mentor others, helping the team grow its deep learning capability and ensuring we stay at the cutting edge of the industry. Measuring What Matters: You’ll define success not just by model accuracy, but by how your work improves financial outcomes for Tilt’s customers and partners. Why Youre a Great Fit Technical Depth: You have a proven track record of building and deploying deep learning models (Neural Networks, Embeddings, or Transformers) using modern frameworks like PyTorch or TensorFlow. Applied Experience: You’ve applied machine learning to complex, real-world problems, ideally within financial services (credit, lending, or payments). First Principles Thinking: You are an expert at breaking down problems. You don't just apply a model because it's popular; you apply it because you’ve considered the trade-offs and the "why." Unwavering Clarity: You cut through the noise. You can explain a complex technical concept to a non-technical partner with the same ease and respect you’d use with a fellow scientist. Soulful Intent: You’re driven by a purpose. You want your intelligence to serve a mission—helping more people get the "Yes" they deserve. What Success Looks Like We don’t believe in hand-holding; we believe in partnership. Your benchmark for success is defining the path forward rather than waiting for a roadmap. In your first 30 days: Immersing in data architecture and the Methodologies mission; understand credit models. In your first 60 days: Stand up ML infrastructure and begin training iterations. By day 90: Deliver functional prototype and production-ready model.