Head of Credit, Brazil

Job description

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: HEAD OF CREDIT - BRAZIL Tilt is looking for an experienced analytics leader to own the Credit function for our expanding presence in Brazil. As part of our International Credit team, you will develop and iterate on risk models and credit policies that drive underwriting as a competitive advantage — and help launch innovative products that solve real customer problems. This individual will lead teams and workstreams focused on consumer behavior and needs, building solutions that ensure Tilt resiliently offers the right products. The right candidate thrives on complex challenges and leverages a diverse technical toolkit to drive impactful outcomes. This role reports to Tilt's Head of International Credit. HOW YOU'LL MAKE AN IMPACT - Own Credit Strategy for Brazil: Develop and continuously refine credit policies for Tilt's Brazilian business, driving analysis to uncover novel insights that move our business forward. - Collaborate on Data Science: Partner closely with the Data Science team to influence and deploy models that solve meaningful business outcomes. - Build Scalable Infrastructure: Develop frameworks, infrastructure, and controls to manage credit programs with high quality and resiliency. - Drive Growth with Leadership: Work with Brazil and Tilt's leadership teams to build strategy and growth plans while managing financial outcomes. - Share Cross-Market Learnings: Partner with international credit and data science teams in the Philippines, Mexico, India, and the US to identify transferable strategies and help implement them. - Cross-Functional Partnership: Collaborate with product, engineering, marketing, and finance leaders to ensure the team's work fits within the larger company picture. - Grow the Team: Hire talented analysts and team members to staff new projects as the Brazilian business scales. WHY YOU'RE A GREAT FIT - Bachelor's degree in Engineering, Business, Finance, Computer Science, or Mathematics — a quantitative background is a strong plus. - 6+ years of industry experience in data analytics and credit risk management, ideally with experience in the Brazilian market. - Proven experience leading and developing a team of analysts. - Exceptionally strong problem-solving and communication skills — able to get deep in the weeds and present clearly to an executive audience. - Eagerness to learn new tools and analytical methods, staying current with innovative trends and emerging products in the industry. - Preference for candidates based in São Paulo. 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.