Staff Backend Engineer, Cards

Tilt is a company that focuses on creating a new credit system using machine learning-powered credit models. As a Staff Backend Engineer on the Cards team, you will drive the technical strategy for AI-driven credit products and enhance the capabilities of the team while scaling the credit card platform.

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

Requirements:

• 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