Senior Credit Manager, Mexico

At Tilt, we focus on the overlooked aspects of individuals that traditional lenders miss. Our mobile-first products and machine learning-powered credit models analyze over 250 real-time financial signals to identify true potential. With millions of customers worldwide, we are revolutionizing financial product accessibility and creating a new credit system that supports the working class, regardless of their goals.

The Opportunity: Senior Credit Manager, Mexico

Mexico was Tilt’s first international market outside the US. Since 2022, our cash advance product has provided over 1 million customers with transparent and affordable short-term credit. We are seeking a Senior Credit Manager to oversee the day-to-day credit performance of this product, including policy, unit economics, experiments, and results. This role reports to the Head of Credit, Mexico, and collaborates with a small, high-impact team in credit, data science, and collections.

This is a remote role with a preference for candidates based in Mexico. Travel for company onsites is expected at least twice a year.

How You'll Make an Impact

• Own the credit performance of our core product by setting and refining the cash advance credit policy in Mexico. This includes eligibility, loan amount assignment, pricing, and repeat-loan progression. Your decisions will balance growth and profitability optimally.

• Model the unit economics by maintaining and improving the valuation model that underpins credit and marketing decisions. Use it to measure performance, identify opportunities, and drive results.

• Design, launch, and analyze experiments across the borrower lifecycle.

• Monitor and intervene by tracking vintage performance, early delinquency, and roll rates. Detect early drift, diagnose causes, and implement fixes.

• Convert model releases into policy by partnering with Data Science to validate and deploy new risk models, assess their impact, and manage the release and monitoring plan.

• Drive results across the business by collaborating with Product, Engineering, Collections, Finance, BI, and Marketing to implement and measure changes.

• Share insights and learn from credit teams in other markets, contributing to a unified global credit organization operating at the highest standards across Mexico, Brazil, India, the Philippines, and the U.S.

Why You're a Great Fit

• Preferred: 5+ years of experience in consumer credit risk, fintech, or digital lending.

• Experience managing credit policy for a live portfolio.

• Experience leveraging agentic AI tools to enhance workflow velocity and quality. Excitement about experimenting with new tools to automate workflows and accelerate impact.

• Built or owned a unit economics or valuations model and used it for business decisions.

• Designed and analyzed A/B tests with guardrails, distinguishing between signal and noise.

• Ability to write clearly for an executive audience and influence Product, Engineering, and Data Science teams without formal authority.

• Working knowledge of the Mexican consumer lending market.

• Professional fluency in English; knowledge of Spanish is a plus.

Potential matters more than past experience. If you bring ambition and drive to our mission, we want to hear from you.

What You'll Get at Tilt

• Virtual-first teamwork: Collaborate across 14 countries and 12 time zones. Start with a WFH office reimbursement.

• Competitive pay and generous equity.

• Flexible health plans with substantial subsidies.

• Direct exposure to leadership and quick movement of good ideas.

• Paid global onsites, including shared meals and activities like kayaking.

• Growth opportunities based on contributions, not rigid timelines.

The Tilt Way

We seek individuals who pursue excellence and impact, stand behind their work, and learn from mistakes. We value every voice and mutual respect is essential. We are united in expanding access to fair credit and proving that people are incredible. Join us to help millions of hardworking people achieve better financial futures.

Ready to advance your career? Join us in building the credit system that people deserve.