Senior Data Scientist (Remote)

At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, 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: Sr. Data Scientist

Our data scientists are responsible for the entire machine learning model development process from conception with stakeholders, creation of model pipelines, technical development, deployment, and partnership with the credit, product, and finance teams to make business decisions.

The ideal candidate is passionate about using data and models to drive business growth and help customers improve their financial situations.  For this role, we’re looking for an experienced data scientist to work within our talented DS team for Tilt Cash Advance and Thrive Line of Credit products.  This individual will help create and improve credit risk models, build ML based paycheck detection algorithms to help the business decrease loss rates and increase approval rates.  The right person for this role is someone who shines while solving complex problems and is comfortable with a wide variety of technical tools.

Tilt is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.

How You'll Make an Impact

• Grow user base and increase retention through machine learning and analytics

• Build machine learning models with large scale data sets to address business priorities

• Design and influence strategies on underwriting, marketing, fraud and customer experience

• Work closely with our engineering team as you implement models in production 

• Collaborate effectively with operations and product to ensure the work fits into the broader strategy and business context

• Develop data standards and analytics pipelines to facilitate current and future analysis

Why You're a Great Fit

• BS degree in engineering, computer science, finance or mathematics

• 4+ years industry experience in data mining, machine learning, statistical analysis, and/or predictive modeling

• Deep understanding of statistics and machine learning techniques, including regression, classification, clustering and optimization Experience building predictive models from scratch

• Strong programming skills in Python with intermediate to advanced knowledge of SQL

• Demonstrable experience with ML packages: scikit-learn, LightGBM, XGBoost, SparkML, etc.

• Knowledge in deep learning and experience with DL toolkits (Tensorflow, Keras, PyTorch) is preferred though not required

• Comfort working with a variety of cross functional partners in tech, product, credit, and business

• Exceptionally strong problem solving and communication with the ability to both get in the weeds and communicate to an executive audience

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.

• 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.

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.