Senior Data Scientist, Tilt
Methodologies
Plus equity
Credit health & financial management app
Open for applications
Credit health & financial management app
201-500 employees
Open for applications
Plus equity
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
- 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
- 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 the job involves
- 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
- 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
- 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: You will immerse yourself in our current data architecture and the "Methodologies" mission. You’ll build a deep understanding of our existing credit models and identify the first meaningful "Deep Learning" gap where you can add value
- In your first 60 days: You will have stood up your own ML infrastructure (compute, pipelines, and data handling) and begun training the first iterations of a new model. You’ll be operating with high autonomy, providing updates at key milestones rather than seeking daily direction
- By day 90: You will have delivered a functional prototype and the first version of a production-ready model. Success is defined by your ability to drive this project from hypothesis to a tangible version independently, demonstrating the "Big Brain" competence and high energy required to scale our methodology globally
- You’ll know you’re thriving if:
- You are telling us what should be done next based on your first-principles analysis
- You’ve moved past the "theory" and have code running in a production-ready environment
- The team views you as an "AI-first builder" who creates momentum rather than waiting for it
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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