Staff Backend Software Engineer, Tilt
Cards
$182-239k
Offers Equity
More information about location
Credit health & financial management app
Be an early applicant
Credit health & financial management app
201-500 employees
Be an early applicant
$182-239k
Offers 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
- 7+ years developing web APIs within .NET (C#)
- Experience building resilient financial systems with state machine logic and complex lifecycles
- Ability to balance immediate business needs with long-term architectural considerations
- Strong understanding of distributed systems, queue-based architectures, and data-intensive applications
- Experience scaling consumer-facing products with significant transaction volumes
- Ability to collaborate effectively with product, risk, and operational teams
- Comfort making decisions with incomplete information and adapting as new data emerges
- Skill in mentoring and elevating the capabilities of other engineers
- Able to effectively leverage AI-powered development tools (e.g., Cursor, Augment, Factory) to enhance productivity, code quality, and collaboration
What the job involves
- As a Staff Engineer on our Card team, you'll join a high-caliber engineering organization at a critical inflection point in Empower's growth trajectory
- You'll work directly with our product and technical leaders across both Card Spend and Card Payments domains, helping drive the technical strategy that powers our AI-driven credit platform
- Within our team structure, you'll be a force multiplier - someone who can both execute independently on complex challenges while elevating the capabilities of the entire team
- You'll have significant autonomy to identify opportunities and drive solutions across our payments and spend domains, with the support of experienced engineers who understand our unique architecture and business model
- The impact of this role is tremendous: you'll be scaling one of the fastest-growing credit card platforms while building systems that directly contribute to Empower's mission of financial empowerment
- Our credit business represents a substantial and rapidly growing portion of Empower's revenue mix - your work will be instrumental in achieving our ambitious growth targets
- You'll be responsible for driving both adoption and utilization of our card products through engineering excellence
- Our established AI-driven credit underwriting model has already proven successful, achieving exceptional approval rates with significantly lower customer acquisition costs
- Your role focuses on scaling our platform to handle substantial growth - evolving our existing systems to support an expanding customer base while maintaining our competitive advantage
- Enhancing our AI-driven payment scheduling systems that accurately forecast customer paycheck timing
- Scaling our rewards platform to drive increased card utilization
- Optimizing our virtual card infrastructure to enable instant spending
- Building automated loss mitigation features that leverage our proprietary risk models
- Creating sophisticated customer segmentation tools that support our portfolio expansion from non-prime to near-prime offerings
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.
Share this job
View 9 more jobs at Tilt