Tilt (formerly Empower)

• Join the Tilt team • Help expand Tilt’s credit modeling and risk analytics capability for our Philippines-based business, Cashalo. • Build and refine underwriting models as well as other models, working at the intersection of credit, data science, and leadership. • Collaborate with a lean but growing team, applying advanced modeling techniques to predict loss performance, leverage alternative data sources, and build next-generation tools that shape credit access for millions. • Partner directly with cross-functional teams across credit, engineering, and leadership, bringing strong project and stakeholder management skills to a lean, fast-growing team.

• Dig into complaints to uncover patterns and systemic issues, transforming customer pain points into actionable insights that shape Tilt’s products and services • Deliver trend analysis and clear, impactful recommendations to both frontline teams and Tilt’s leadership, driving continuous improvement across the company • Craft thoughtful and accurate responses to regulatory complaints that reflect our commitment to transparency and trust • Help maintain the UDAAP risk inventory, mapping Tilt's products and customer touchpoints to potential consumer-harm exposures and keeping risk ratings and ownership current as products evolve • Review customer support and operational processes and test AI chatbot workflows for areas presenting UDAAP risk • Conduct state-by-state regulatory research, beginning with EWA and disclosure laws, and maintain a periodic review cadence so Tilt stays ahead of a fast-moving state landscape • Provide occasional support to compliance testing and monitoring efforts, contributing subject-matter expertise on specific products or regulations as needed • Identify and implement process improvements across your compliance functions to reduce manual effort, minimize errors, and dive deep into analysis • Continuously assess and optimize compliance operations by applying automation, AI, and emerging technologies to strengthen risk management, drive efficiency, and support the company’s innovation-focused strategy

• Own complex fraud investigations from end to end • Operate as the senior-most investigative authority • Partner with Compliance, Product, Engineering, and Data teams • Represent fraud findings directly to leadership • Act as senior investigative lead during fraud incidents • Drive fraud rule, threshold, and control changes • Use SQL/Databricks for data analysis behind investigations

• Design and scale backend systems that power our consumer facing products • Build and refine APIs that deliver instant, seamless experiences. • Collaborate with product, credit/finance, compliance, support, and analytics teams. • Contribute to technical discussions, code reviews, and roadmap planning. • Drive continuous improvement in code quality, security, and operational excellence. • Share knowledge, mentor peers, and contribute to engineering best practices.

• Lead critical strategy workstreams: Drive top-level "where to play / how to play" investment decisions, owning the modeling & strategic recommendations behind new product lines, licensing, and other structural bets. • Drive corporate development: Lead diligence on M&A opportunities and build proactive acquisition theses & target lists across Tilt’s markets. Own investor-relations strategy and execution. • Set the agenda on ambiguous problems: Take on cross-enterprise operational issues with no clear owner or precedent. Independently frame the problem, lay out and test hypotheses, build the analysis, and drive implementation of the best solutions. • Own high-impact business operation efforts: Lead initiatives within and across markets that build synergy and economies of scale across Tilt’s portfolio, from annual planning to executive reporting, reducing complexity and driving clearer ownership & visibility. • Support international expansion: Contribute to new-market selection, entry strategy, and resourcing decisions; from idea to launch execution.

• End-to-end accountability: Own all non-customer-facing operations across every line of business — fraud prevention, dispute resolution, back-office compliance, and processing work including mail and refund processing — spanning the 30+ workloads currently managed by the team. • Workload ownership: Set the standard for how every back-office workload runs, from the highest-stakes fraud and dispute casework to high-volume processing queues, ensuring each is staffed, measured, and continuously improved. • Operating rhythm: Set goals, SLAs, and quality standards for the function; run the weekly and monthly cadence that keeps the team aligned and surfaces risk early. • Executive voice: Serve as the senior point of contact for Risk operations, translating operational reality across fraud, disputes, and processing into clear tradeoffs for executive leadership and partners. • Regulatory defensibility: Hold the function to a standard that withstands audit and regulatory exams, partnering with Legal and Compliance on FCRA, Reg Z, Reg E, SCRA, and related obligations. • Lead the team (player-coach): Lead and develop a team of Team Leads and subject-matter experts, as well as the frontline investigators and analysts (Sr Risk Investigators, Risk Investigators, Risk Data Analyst). This is a hands-on leadership role, not a pure management one — you stay close to the work as the org flattens and AI absorbs routine volume. • Org design & headcount: Own the structure, staffing model, and capacity planning for the function; make the build-vs-buy-vs-automate calls as volume grows. • Talent: Hire, level, coach, and retain; build career paths and a bench of senior investigators and future team leads. • Performance: Set individual and team performance expectations, run calibration, and hold the bar on quality through the QA rubric and review process. • Automation strategy: Define and drive the roadmap to automate manual review, dispute intake and resolution, monitoring, and reporting; reduce cost-to-serve and cycle time while protecting accuracy. • AI-enabled operations: Partner with the data and AI teams to deploy tooling that triages cases, drafts dispute responses, and flags anomalies, with humans focused on judgment-heavy work. • Tooling & vendors: Own the fraud and dispute tech stack (Alloy, Socure, Persona, LexisNexis, Helix, Centrix, Zendesk, Peach) and the vendor strategy behind it, including utilization, contracts, and consolidation. • Data & measurement: Ensure the function operates on a reliable single source of truth in Databricks; instrument the metrics that prove impact (loss rates, chargeback win rate, dispute cycle time, manual-review rate, QA scores). • Controls: Own the control environment for fraud and disputes; ensure QA, escalation, and documentation standards keep decisions defensible. • Cross-functional partnership: Work with Compliance, Legal, Product, and Engineering to translate regulatory change into operational reality and to close control gaps before they become findings. • Risk appetite: Operationalize the company's risk appetite: Build and tune the systems, thresholds, and workflows that embed Tilt's balance of fraud prevention and fair customer treatment into day-to-day operations, and serve as the escalation point for any gray-areas.

• Define the APAC infrastructure architecture. This isn't a maintenance role. You'll design and own the Azure footprint for our APAC businesses end-to-end — compute, networking, storage, identity, containerisation, and application hosting — and set the patterns the region builds on. New regional environments for our Philippines and India businesses are live work from day one. • Own cross-region connectivity. Take ownership of the network paths connecting our cloud environments to local partners and HQ: site-to-site VPN tunnels, partner IP allow-listing, edge and CDN custom domains, certificate management, and the DNS and TLS hygiene that keeps customer-facing endpoints healthy. • Drive the migration and hardening programs. Lead infrastructure migrations across clouds safely and at scale — including moving sensitive customer data — and own the APAC side of our PCI-DSS hardening program. These are active, in-flight programs, not future roadmap items. • Lead incident response for the region. When something breaks during APAC hours, you run the response — calmly, methodically, and all the way through. That means root cause analysis, blameless post-mortems, and durable fixes. The on-call posture is follow-the-sun: APAC business hours, not 3am pages. • Operate and improve the platform over time. Keep hardening reliability, deploy-pipeline confidence, alert quality, and Azure spend right-sizing. Security and compliance are baked into how we operate — you'll partner with those teams on PCI-DSS scope, vulnerability scanning, least-privilege access, and secret management. • Raise the bar across the team. Through code, runbooks, architecture decisions, and peer collaboration with our US-hours Platform engineers, your work sets the standard for how infrastructure gets done in the region. • Work AI-first. Use AI tooling — coding assistants, observability assistants, IaC helpers — to investigate faster, cut toil, and ship more reliable work. Our Platform team is actively reshaping how engineering and ops are done with AI, and we expect you to bring that same instinct.

• Design the technical architecture of the Databricks Data Warehouse — ingestion, storage, compute, orchestration, governance, and observability — and act as the pattern reviewer and architectural sounding board for the team. • Build, scale, and optimize secure, self-service frameworks for batch and streaming data so the same request shape is never solved by hand twice. • Treat the platform like production software: define and defend SLOs, own lineage and observability, and lead incident triage and root-cause analysis to durable fixes. • Design governance and multi-tenancy as first-class guardrails — least-privilege access, auditing, cost controls, and privacy-aware patterns — across app-team schemas and multiple workspaces. • Automate and harden data infrastructure and CI/CD so the warehouse stays safe to change at scale. • Raise the team’s technical bar through design review, code review, and mentorship, setting standards that are adopted because they’re good. • Make documentation a first-class deliverable — every pattern ships with the docs that let an analyst, partner team, or AI agent use it without asking us.

• Own the Mexico financial plan: annual budget, quarterly updates, rolling forecasts, and long-range planning across all business lines. • Define and track the KPIs that connect financial outcomes to operational execution. • Develop scalable reporting frameworks and dashboards that give country and company leadership real-time visibility into business health and emerging risks. • Analyze portfolio, credit, and customer performance trends to identify opportunities to improve unit economics, growth, and risk outcomes. • Support capital markets initiatives and strategic transactions as needed. • Structure ambiguous, high-priority problems — form a clear point of view and drive execution through to resolution. • Set strategic priorities: Conduct market research, competitive analysis, and data analyses to inform strategic priorities for Tilt Mexico. • Lead cross-functional initiatives that improve quality, reduce operational friction, and increase scalability across the Mexico business. • Drive standardization and help to define best practices that can be shared across other business units (markets). • Partner with functional leaders across Product, Credit, Marketing, Operations, and Capital Markets to identify bottlenecks, improve performance, launch new products, and drive execution against company goals. • Identify opportunities to automate workflows, improve decision-making, and increase team leverage through AI and other technology-enabled solutions.

• Own the Close: Lead all aspects of US accounting operations and consolidation, delivering accurate, timely financial statements in accordance with GAAP. • Build for Scale: Redesign the accounting operations from the ground up, establishing best practices, standardizing processes, and creating the infrastructure needed to support IPO readiness and beyond. • Strengthen the Control Environment: Design, implement, and maintain a robust system of internal controls that safeguards assets, ensures reporting integrity, and meets SEC and regulatory requirements. • Lead and Develop the Team: Manage and mentor a team of accountants, while also rolling up your sleeves as an individual contributor where needed. • Champion an Automation Mindset: Identify where AI and automation can uplevel the team — shifting work from manual preparation to high-judgment review and analysis. • Serve as a Key Financial Liaison: Coordinate with internal stakeholders, external auditors, regulators, and investors, ensuring clear and transparent communication on the company's financial position.