Senior Data Scientist, NIRA at Tilthq

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 DATA SCIENTIST, NIRA NIRA is an established and growing fintech lender in India, and data science is central to where we're headed next. We're expanding our modeling capabilities across the full credit lifecycle to unlock the next stage of growth: smarter decisioning, better pricing, stronger collections, and deeper customer understanding. As one of a small team of data scientists on the ground in Bangalore you will be part of an international DS network and have real ownership over work that shapes business outcomes directly HOW YOU’LL MAKE AN IMPACT - Build the credit model estate: You’ll design and own models across the full credit lifecycle: decisioning, pricing, bank statements, collections, and marketing. These models directly determine business outcomes. - Turn data into decisions - your way: One decisioning model sits in production today. You’ll fill the gaps: behavioral models, collections models, risk-based pricing, and more. Critically, you’ll let what the data tells you shape your approach and not the other way around. - Own your work end-to-end: From scoping and exploration through to deployment and monitoring, you drive projects autonomously. If you identify what needs doing, you go after it. - Communicate with clarity and authority: Translate complex modeling work for mid-technical stakeholders, pitch new directions with conviction, and bring colleagues along the journey. - Collaborate across borders: Work as part of a distributed international data science team spanning Bangalore, the Philippines, and Mexico. Proactively share context and break information silos. - Work with AI tools the way great practitioners do: We use Claude and other AI tools actively in our day-to-day. You’ll bring that same forward-thinking approach to how you work. WHY YOU’RE A GREAT FIT - Hands-on experience building credit models: decisioning, risk scoring, or broader lending domain expertise. Fintech or non-bank lending background strongly preferred over traditional state banking. - Proficiency in Python and SQL. Experience with cloud platforms such as Databricks or Snowflake is a significant bonus. - Comfortable with Git/GitHub for version control and collaborative development workflows. - You adapt your approach based on what the data shows, not someone who follows the same pipeline regardless of what the analysis tells you. - Strong communicator in a distributed environment: you know when to share context, when to ask for input, and how to make a compelling case to a reluctant stakeholder. - An active, enthusiastic user of AI tools, you see them as part of how great work gets done. - Experience in distributed, international teams is a plus. 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.