Note: The job is a remote job and is open to candidates in USA. Tilt is a financial technology company using mobile-first products and machine learning-powered credit models to expand access to fair credit. The Senior Finance Lead will serve as the embedded finance leader for the Credit Card business, owning its P&L, forecasting, unit economics, planning, reporting, and strategic financial analysis while partnering with product, credit/risk, marketing, and executive leadership.

Responsibilities

• Own the Credit Card P&L: Drive the monthly forecast-vs-actual process, variance analysis, and financial reporting for the Credit Card business, including inputs to company-wide board and executive materials
• Be the embedded finance partner: Serve as the primary point of contact between Finance and Credit Card leadership — attending BU staff meetings, flagging financial risk/opportunity in real time, and translating operating decisions into financial impact
• Own unit economics: Build and maintain the Credit Card unit economics model (CAC, LTV, contribution margin, portfolio yield, delinquency and loss curves) and use it to evaluate new product, pricing, and credit line initiatives
• Drive planning cycles: Lead the Credit Card-specific inputs to annual planning and quarterly re-forecasts, ensuring assumptions are grounded and resourcing tradeoffs are made explicit
• Build the business case: Partner with Credit, Product, and Marketing to size and evaluate new initiatives — pricing changes, acquisition channel shifts, portfolio strategy — with rigorous, data-backed analysis
• Partner with Credit/Data Science on portfolio performance: Translate model and portfolio performance (delinquency, roll rates, approval/pricing strategy) into financial terms for leadership
• Shape strategic priorities: Independently identify risks and opportunities in the Credit Card business and proactively bring recommendations to leadership, rather than waiting to be asked
• Drive AI-enabled finance workflows: Identify and implement opportunities to use AI tools (e.g., Claude, internal automation via Aleph/Databricks) to accelerate reporting, variance analysis, and ad hoc modeling — reducing manual cycle time and freeing capacity for higher-value strategic work. Set an example for the broader StratFin team on responsible, effective AI-assisted analysis
• Improve the reporting infrastructure: Build and maintain dashboards and automated reporting so Credit Card metrics are visible, self-serve, and decision-ready for stakeholders

Skills

• 6+ years of experience in strategic finance, FP&A, bizops, management consulting, or investment banking; lending, credit card, or consumer finance experience strongly preferred
• Demonstrated track record of owning a P&L or business unit's financial narrative at a senior level, including direct engagement with BU and executive leadership
• Strong unit economics and financial modeling skills, ideally with exposure to credit/lending economics (loss rates, yield, CAC/LTV)
• Comfortable with SQL; experience with Databricks and/or Aleph a plus
• Hands-on experience using AI tools (e.g., Claude, ChatGPT, Copilot) to drive real efficiency gains in financial analysis or reporting — not just casual use, but a demonstrated habit of building and scaling
• Proven ability to build trust and influence with non-finance BU leaders (product, credit/risk, marketing), including pushing back on flawed assumptions and supplying alternatives
• A get-it-done mindset — resourceful, hands-on, comfortable in the weeds despite seniority
• Strong strategic thinking and ability to structure ambiguous problems independently, with minimal oversight
• Excellent verbal and written communication skills, including comfort presenting to senior/executive and board-level audiences
• Advanced degree (MBA or related) (preferred)
• Experience working across international markets or with global/multi-currency businesses is a plus

Benefits

• WFH office reimbursement
• Competitive compensation packages and generous equity
• Flexible health plans at every premium level, with substantial subsidies that stand up to global standards
• Direct exposure to the leadership team
• Paid global onsites twice yearly
• Growth opportunities based on contributions rather than rigid promotion timelines

Company Overview