Credit Analyst, NIRA

Join the Tilt team

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.

The Opportunity: Credit Analyst, NIRA

We’re hiring a Credit Analyst to support the growth and risk management of Tilt’s India lending business, NIRA Finance. This role focuses on shaping credit policy, analyzing portfolio performance, and partnering with data science and technology teams to enable scalable, data-driven lending decisions.

This is a high-impact role with strong ownership, visibility, and the opportunity to influence how credit decisions are made at scale in a fast-growing fintech environment.

How you'll make an impact

• Develop and refine credit policies to support business growth and risk objectives.

• Analyze portfolio performance and generate actionable insights through data.

• Partner with Data Science, Technology, and Product teams to translate insights into execution.

• Monitor risk metrics and benchmark performance against industry standards.

• Collaborate with NIRA leadership and external lending partners to drive responsible lending outcomes.

• Share learnings and best practices with global credit and data teams.

Why you’re a great fit

• 4+ years of experience in unsecured retail credit risk, with strong exposure to personal loan portfolios (India market experience preferred).

• Proven experience in portfolio analytics, risk monitoring, and performance tracking across the credit lifecycle.

• Hands-on experience designing and working with digital credit policies, underwriting rules, and risk frameworks for unsecured lending products.

• Experience collaborating with product, data, and engineering teams to translate credit strategies into scalable decisioning systems and automated underwriting workflows.

• Strong analytical skills with hands-on experience in SQL (mandatory), Python, and Excel for credit analysis, portfolio deep dives, cohort analysis, and risk reporting.

• Strong documentation and communication skills, with the ability to clearly document credit proposals, risk frameworks, and analytical insights, and effectively operate in asynchronous work environments.

Our Interview Process

1. Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role.

2. Hiring Manager Interview: A deeper discussion about your experience.

3. Skills Panel: Meet with Tilt team members to discuss your expertise and problem-solving approach.

4. Leadership Conversation: A final conversation with a leader to discuss how you'll contribute to Tilt's mission, and how we can help you achieve your career goals along the way.

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.