From the listing
About the role
At Tilt, 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 creating a new credit system that backs the working, whatever they're working toward.
Tilt's Strategic Finance (StratFin) team is hiring a Senior Finance Lead dedicated to the Credit Card business unit. You'll be the embedded finance lead, owning the P&L, driving forecasting and unit economics, and acting as the primary financial thought partner to Credit Card product, credit/risk, and marketing leadership.
This is a high-visibility role with direct exposure to BU and executive leadership, and regular input into board-level reporting. You'll operate with significant autonomy and shape strategic direction for the business.
What you'll do
- Own the Credit Card P&L: Drive the monthly forecast-vs-actual process, variance analysis, and financial reporting, including inputs to company-wide board and executive materials.
- Serve as the primary point of contact between Finance and Credit Card leadership — attending BU staff meetings, flagging financial risk/opportunity in real time, and translating operating decisions into financial impact.
- Build and maintain the Credit Card unit economics model (CAC, LTV, contribution margin, portfolio yield, delinquency and loss curves) and use it to evaluate new product, pricing, and credit line initiatives.
- Lead the Credit Card-specific inputs to annual planning and quarterly re-forecasts, ensuring assumptions are grounded and resourcing tradeoffs are made explicit.
- Partner with Credit, Product, and Marketing to size and evaluate new initiatives — pricing changes, acquisition channel shifts, portfolio strategy — with rigorous, data-backed analysis.
- Partner with Credit/Data Science on portfolio performance: Translate model and portfolio performance (delinquency, roll rates, approval/pricing strategy) into financial terms for leadership.
- Independently identify risks and opportunities in the Credit Card business and proactively bring recommendations to leadership.
- Identify and implement opportunities to use AI tools (e.g., Claude, internal automation via Aleph/Databricks) to accelerate reporting, variance analysis, and ad hoc modeling. Set an example for the broader StratFin team on responsible, effective AI-assisted analysis.
- Build and maintain dashboards and automated reporting so Credit Card metrics are visible, self-serve, and decision-ready for stakeholders.
What they're looking for
- 6+ years of experience in strategic finance, FP&A, bizops, management consulting, or investment banking.
- Demonstrated track record of owning a P&L or business unit's financial narrative at a senior level, including direct engagement with BU and executive leadership.
- Strong unit economics and financial modeling skills.
- Comfortable with SQL.
- Hands-on experience using AI tools (e.g., Claude, ChatGPT, Copilot) to drive real efficiency gains in financial analysis or reporting — not just casual use, but a demonstrated habit of building and scaling.
- Proven ability to build trust and influence with non-finance BU leaders (product, credit/risk, marketing), including pushing back on flawed assumptions and supplying alternatives.
- A get-it-done mindset — resourceful, hands-on, comfortable in the weeds despite seniority.
- Strong strategic thinking and ability to structure ambiguous problems independently, with minimal oversight.
- Excellent verbal and written communication skills, including comfort presenting to senior/executive and board-level audiences.
Nice to have
- Lending, credit card, or consumer finance experience strongly preferred.
- Exposure to credit/lending economics (loss rates, yield, CAC/LTV).
- Experience with Databricks and/or Aleph.
- Advanced degree (MBA or related) preferred.
- Experience working across international markets or with global/multi-currency businesses.
Benefits, as listed
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