Backend Software Engineer

About The Company Join the Tilt team. At Tilt (formerly Empower), we are redefining the landscape of financial access and credit evaluation. Our innovative approach leverages mobile-first products and advanced machine learning-powered credit models to look beyond traditional credit scores. By analyzing over 250 real-time financial signals, we identify genuine potential in individuals often overlooked by conventional lenders. Recognized among the next billion-dollar startups, Tilt is committed to transforming how people access financial products and creating a new credit system that supports the working, regardless of their current financial standing. Our mission centers on financial empowerment, enabling millions of hardworking individuals to achieve their goals and improve their financial futures. About The Role We are seeking a highly skilled Staff Software Engineer - Backend, Cards to join our dynamic Card team. In this pivotal role, you will be part of a high-caliber engineering organization at a critical growth phase for Empower. You will collaborate directly with product and technical leaders across Card Spend and Card Payments domains to shape and execute the technical strategy that powers our AI-driven credit platform. Your expertise will serve as a force multiplier—independently tackling complex challenges while elevating the entire team’s capabilities. You will have significant autonomy to identify opportunities and develop solutions that support our rapidly expanding customer base and innovative payment systems. This role offers a unique chance to influence the future of our credit infrastructure, ensuring scalability, reliability, and competitive advantage in a fast-paced, remote-first environment. Qualifications

• 7+ years of experience developing web APIs within .NET (C#)
• Proven experience building resilient financial systems with state machine logic and complex lifecycles
• Strong understanding of distributed systems, queue-based architectures, and data-intensive applications
• Experience scaling consumer-facing products with high transaction volumes
• Ability to balance immediate business needs with long-term architectural considerations
• Effective collaboration skills with product, risk, and operational teams
• Comfort in making decisions with incomplete information and adapting to new data
• Mentoring skills to elevate team capabilities
• Experience leveraging AI-powered development tools such as Cursor, Augment, and Factory

Responsibilities

• Design, develop, and maintain scalable backend systems for credit card platforms
• Collaborate with cross-functional teams to define technical requirements and deliver innovative solutions
• Enhance existing AI-driven payment scheduling and rewards systems to improve accuracy and utilization
• Optimize virtual card infrastructure for instant spending capabilities
• Build automated loss mitigation features leveraging proprietary risk models
• Create customer segmentation tools to support portfolio expansion from non-prime to near-prime segments
• Ensure system resilience, security, and compliance with industry standards
• Mentor junior engineers and promote best practices within the team
• Identify opportunities for technical improvements and drive their implementation

Benefits

• Remote-first work environment with support for flexible working arrangements
• Reimbursement for home office setup and equipment
• Competitive compensation packages complemented by generous equity options
• Comprehensive health plans at various premium levels, including substantial subsidies
• Direct exposure to leadership and opportunities for visibility within the organization
• Paid global onsite visits twice yearly for team bonding and strategic alignment
• Opportunities for professional growth and advancement based on contribution

Equal Opportunity At Tilt, we are committed to creating an inclusive environment where all employees are valued and respected. We are an equal opportunity employer and do not discriminate based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected status. We believe that diversity drives innovation and success, and we welcome applicants from all backgrounds to join our mission of expanding access to fair credit and financial empowerment.