Senior Credit Analyst, Cashalo

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: Senior Credit Analyst – Cashalo

Cashalo, Tilt's consumer lending business in the Philippines, is looking for a Senior Credit Analyst to own credit policy development, portfolio performance monitoring, and analytical execution. This is a hands-on individual contributor role sitting within a lean, high-ownership credit team, working closely with Data Science and cross-functional partners to drive credit decisions that maximise customer lifetime value.

If you're analytically rigorous, commercially minded, and excited about applying a differentiated LTV--driven credit philosophy in a fast-growing fintech, this role is for you.

Unless you're based in Manila, this role will require travel 4-6 times/year.

How You'll Make an Impact

• Develop new credit policies and regularly review and update existing ones to support Cashalo's Philippine lending business; partner with the technology team to implement and rigorously test policy changes

• Monitor portfolio performance end-to-end — tracking loss rates, portfolio fluctuations, and key credit metrics — and benchmark against industry standards

• Collaborate closely with the Data Science team to influence and use models that solve business problems, monitor business outcomes, and enhance analytical tools; challenge assumptions and ask the right questions, not just consume outputs

• Apply Tilt's LTV-driven credit framework to evaluate credit decisions, rather than relying solely on loss-rate or AUM-driven approaches

• Conduct exploratory data analysis to uncover trends and actionable insights, and communicate findings clearly to stakeholders across Credit, Product, Engineering, and Finance

• Partner with international credit and data science teams to identify transferable learnings, strategies, and synergies across Tilt's global markets

Why You're a Great Fit

• 4–6+ years of experience in credit risk, data analytics, or consumer/unsecured lending

• Strong SQL skills (essential); Python proficiency a plus

• Experience developing, implementing, and monitoring credit policies end-to-end

• Familiarity with LTV/NPV-style credit frameworks

• Demonstrated ability to own analysis independently, not just support it

• Strong problem-solving skills and the ability to translate analytical findings into clear business recommendations

• Comfortable working in fast-paced, unstructured environments with limited guardrails

Our Interview Process

• Recruiter Screen – A conversation to learn about your experience, what you're looking for in your next role, and an intro to Tilt and Cashalo.

• Hiring Manager Interview + Live Case – A deeper discussion about your background and approach, including a hands-on SQL/analytical problem.

• Virtual Onsite – Meet with members of the Credit and Data Science teams to discuss your expertise through real-world scenarios.

• Leadership Conversation – A final conversation with our senior leadership team to discuss mission alignment and how we can help you grow.

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.