Senior Software Engineer, Backend

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.

Blipay is Tilt's Brazilian business unit. In Brazil, credit is still decided by a score that summarizes someone's past and ignores their present. We do it differently — using Open Finance and real-time financial signals, we look at people's actual financial lives and say yes to people the traditional market writes off too quickly. Over 1 million customers. Salary advance, FGTS, consignado. Products that put money in people's hands when they need it.

You'll work close to the product here — no intermediary layer between you and the problem. You're part of the conversation about what to build, you build it, and you watch it reach production. The loop is short and the stakes are real: salary advance, FGTS, and consignado move money in the lives of working people every month, so what you ship has direct consequences for someone. We're looking for a senior backend engineer who takes real ownership of their work, thinks carefully about how systems should behave, and wants to collaborate closely with product, credit, and compliance — not in isolation from them.

This role is remote. The team gathers at our Campinas office twice a year, and as part of Tilt you'll join two global offsites annually — past locations include Vail, San Diego, and Mexico City.

How You'll Make an Impact

• Build and scale the backend systems behind salary advance, FGTS, and consignado lending — with a clear eye on reliability and correctness
• Develop and refine the APIs that power an instant in-app experience, with the precision those transactions demand
• Work on the integrations that make payroll-linked and FGTS lending function — systems where uptime isn't optional
• Collaborate directly with product, credit, compliance, and analytics — your technical perspective shapes the work
• Contribute to code reviews, technical discussions, and team standards around quality, security, and operational excellence
• Share what you know with junior engineers and be the kind of teammate that makes the work better for everyone around you

Why You're a Great Fit

• 4+ years of backend engineering experience with demonstrated ownership of meaningful work — if you're close and the rest fits, let's talk
• Strong experience with Kotlin and/or Java
• Solid working knowledge of AWS, PostgreSQL, and ECS
• Experience building consumer-facing systems at real transaction volumes
• Fluent Portuguese and advanced English (C1) — part of the Tilt team operates outside Brazil and collaboration happens in English, written and spoken
• Comfortable using AI-powered development tools as a genuine productivity lever (we use Claude; similar experience transfers)
• Fintech, lending, payments, or regulated environment experience is a strong plus

Why Blipay

CLT employment with full benefits — health insurance, VR/VA meal allowances, and a home office stipend. Competitive compensation and Tilt equity. Remote-first with a team that spans 14 countries and 12 time zones. Direct access to leadership — good ideas travel fast here, and growth follows contribution, not tenure. And twice a year, the whole company gets together in person somewhere worth going.

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

What you'll get at Tilt

• Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.
• Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.
• Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.
• Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly.
• Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)
• Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

The Tilt Way

We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures.

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.