Lead Data Scientist, Tilt
Methodologies
+ Equity
More information about location
Credit health & financial management app
Open for applications
Credit health & financial management app
201-500 employees
Open for applications
+ Equity
More information about location
201-500 employees
Company mission
To expand access to fair credit to give anyone in the world the opportunity to improve their financial security and mobility.
Role
Who you are
- This is a great role for someone who’s deeply curious about new modeling techniques and wants to see their ideas make a real difference
- If you’re excited by applying new methodologies in ways that help people access fairer credit, you’ll fit right in
- Experience with deep learning — neural networks, embeddings, or transformers
- Comfort working with modern ML frameworks (PyTorch, TensorFlow, or similar)
- Experience applying ML to real-world problems, ideally in financial services (credit, lending, payments, or banking)
- Strength in connecting data science to measurable business outcomes
- Clear, thoughtful communication — you can explain technical ideas in ways others can engage with
- 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
- 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
What the job involves
- We’re looking for a Lead Data Scientist to join our Methodologies group — a role focused on building and advancing foundational modeling approaches
- You’ll explore how deep learning methods such as neural networks, embeddings, and transformers can enhance how we understand financial data and make lending decisions
- You’ll work with a small, experienced team of data scientists and engineers to design and apply deep learning methods to financial data challenges — from credit decisioning to transaction modeling
- Develop and test new modeling approaches using deep learning architectures such as transformers, embeddings, and neural networks
- Build and refine frameworks that integrate into Tilt’s existing ML pipelines to improve credit modeling and loss prediction
- Work closely with data scientists, engineers, and product partners to translate complex ideas into practical solutions
- Experiment with modern representation learning techniques — including pretraining and fine-tuning — on real financial data
- Share findings and mentor others, helping the team grow its deep learning capability
- Measure the impact of your models not just by accuracy, but by how they improve outcomes for Tilt’s customers and partners
Our take
An individual’s credit score greatly influences their life, affecting their ability to rent, receive loans, buy a house, and access affordable interest rates. But you have to have credit to build credit, leaving a lot of people in a catch-22 situation. Tilt (formerly Empower Financial) is a mobile-only app that makes credit more inclusive and accessible, helping customers achieve their credit health goals regardless of their credit history (or lack thereof).
Though other FinTech companies such as Mint or Personal Capital also offer impressive financial tracking for their customers, Tilt’s comprehensive set of personal finance features including cash advance and automatic savings offerings make it a better choice for people who want to use a single app to manage their finances.
By empowering people to take control of their money through its range of financial services, Tilt is working to break the cycle of paycheck-to-paycheck living. Backed by Blisce, Defy Ventures and Quiet Capital, the company has been significantly growing its revenue in recent years and was recognized in the 2022 Inc. 5000 list of the fastest-growing companies in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
45% employee growth in 12 months
Trustpilot (1.9)
Company
Funding (last 2 of 3 rounds)
Sep 2022
$75m
LATE VC
Mar 2020
$20m
SERIES A
Total funding: $99.5m
Company benefits
- Virtual-first teamwork: Great work happens anywhere. We're collaborating across 14 countries, 12 time zones
- Full health coverage: Find flexible plans at every premium level and substantial subsidies that stand up to global standards
Company HQ
Mission District, San Francisco, CA
Leadership
Warren Hogarth
(Co-Founder & CEO)Previous a Partner at Sequoia Capital and is an Early Investor/Company Builder for multiple companies.
Justin Ammerlaan
(Co-Founder & CTO)Previously founded Ammerlaan Initiatives and Co-Founded White Room Trading. Also worked as a Senior Software Engineer at SDM and a Technical Architect at Fujitsu.
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