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Tilt (formerly Empower) · 5 months ago

Staff Software Engineer - Backend, Cards

United States

Full-time

Remote

Senior Level, Lead/Staff

$182K/yr - $239K/yr

7+ years exp

Tilt is a mobile-first company revolutionizing access to financial products through innovative credit models. As a Staff Engineer on the Card team, you will drive technical strategies and enhance AI-driven systems that contribute to the company's mission of financial empowerment.

CreditCredit CardsFinanceFinTechLendingPersonal Finance

Responsibilities

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

Qualification

.NET (C#)Web APIs developmentDistributed systemsFinancial systemsAI-powered development toolsMentoringCollaborationAdaptability

Required

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

Benefits

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.