Tilt Finance

• Own meaningful surfaces of cash products, from problem framing through experiment design, launch, and readout. • A steady cadence of experiments: define hypotheses, instrumentation, and interpret results. • Manage trade-offs between business outcomes and user experience. • Clear communication of progress and decisions to stakeholders. • Coordination with various departments on product changes, including regulatory reviews and operational readiness.

• Own the funnel: Drive the growth card funnel end-to-end, becoming the go-to expert on its performance, levers, and opportunities as it scales toward Tilt's next phase of growth. • Follow the data: Use data and analysis to identify where to invest — from funnel optimization to new product features to SEO/AEO — surface the problems users are actually facing, and read results over time to see what's working. • Champion experimentation: Own an ambitious testing agenda — designing, executing, and monitoring experiments that meaningfully move the needle on acquisition. • Drive execution: Embed with engineering and design to move fast from idea to shipped feature, owning results at every step. • Collaborate on new frontiers: Partner with credit and marketing to launch new acquisition channels, differentiated product terms, underwriting policies, and innovative end-to-end user experiences. • Expand your reach: Take on high-priority initiatives across the Card business beyond growth — from customer management to other emerging priorities — broadening your impact as the Tilt user’s needs evolve.

• The growth thesis for the consumer product: where the biggest activation, conversion, retention, and cross-adoption opportunities are, and why. • The frameworks that decide where we route users, prioritized for graduation and for the highest enterprise value. • The app structure and information architecture: how the product is organized and how we navigate users to the right place at the right time. • Retention as a first-class outcome, not just top-of-funnel growth. • A prioritized experiment roadmap. You design the tests, define the hypotheses, and read the results yourself. • The end-to-end funnel from first touch through repeat engagement, including how users route between products and adopt adjacent ones. • Orchestrating the heads of our product areas to align on growth opportunities and shared frameworks. • Partnership with the leaders of Cash Advance, Everyday Money, Line of Credit, and Credit Card products to deliver best-in-class user experiences and returns across the portfolio. • The pricing structure, owned in close partnership with Credit and the heads of each product, to increase share of wallet and monetization across the portfolio. • The product-pipeline thesis, owned jointly with Credit and the Head of US Core. You'll build the strategy, analysis, and thesis that determine which products are missing from our pipeline and worth building. • Flywheels beyond the obvious. We want net-new growth loops, not another referral tweak. • Partnership-driven growth opportunities that extend reach beyond the core product surface.

• You'll personally own and ship one or more product lines, both evolving existing products and launching new ones, carrying them from problem through launch and iteration yourself, not only through your PMs. • The multi-phase product thesis for Everyday Money: which products to build, which features each should have to be the best for our users, which segments to tackle, in what sequence to build, and how each drives retention and eventually profitability. • A roadmap grounded in how these products interrelate and compound, between them and with our liquidity products, not a list of disconnected features. • Our AI innovation labs for the area: leading the team to create breakthrough consumer experiences built on agentic AI for everyday money, and turning those bets into shipped products. • Build-vs-buy and build-vs-partner decisions, including working with external partners and financial institutions to launch capabilities quickly. • The team, as a coach. Managing, developing, and setting the bar for two PMs who own their own product lines, while you stay hands-on in yours. Growing the org as the area proves out. • The user experience across the area, in close partnership with design, including how it fits within and reinforces the larger Tilt experience rather than standing as its own island. • The business case, in close partnership with Credit. You'll defend why this area earns continued investment. • By day 30: A clear diagnosis built from our existing legacy products and market data. How today's products are performing, where retention leaks, how they compare to the market, and where the real opportunities sit. • By day 60: A clear, sequenced product thesis and roadmap, with a defensible point of view on which products to build first, to whom, and why, and alignment from senior stakeholders. • By day 90: Hands-on in execution, with at least one product line you personally own in build, including any partner or infrastructure work needed to launch it, and your PMs moving on theirs.

• 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.