Head Of Credit, Cashalo

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. Named among the next billion-dollar startups, were not just changing how people access financial products were creating a new credit system that backs the working, whatever theyre working toward.

The Opportunity - Head of Credit, Cashalo

This is a rare opportunity to join our Cashalo Leadership Team as the Head of Credit. Cashalo, part of Tilts global lending products, is a fintech startup building fast, accessible lending products for underserved communities in the Philippines.

As the Head of Credit, youll report into the International Head of Credit and partner with the Cashalo GM, owning credit strategy for the region. Youll work closely with the Data Science team and leverage our decisioning frameworks to profitably accelerate our growth. This is a hands-on leadership role with direct project and people management responsibilities.

The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being. This individual will lead teams and work streams that seek to understand consumer needs and behaviors and develop solutions to allow Tilt to resiliently offer the right products. The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes.

This role can be based in Manila, where we have an office or anywhere across APAC. Travel 4-6 times/year will be required.

What Youll Be Responsible For

• Develop new credit policies for Tilts business in the Philippines and drive analysis to uncover novel insights that move our business forward
• Collaborate closely with the Data Science team to influence and use models that solve business outcomes
• Build out frameworks, infrastructure, and controls to manage credit programs with high quality
• Work with Tilts leadership team to build out strategy and growth plans while managing financial outcomes
• Partner with other credit and data science teams operating internationally and in the US to identify transferable learnings, strategies, and synergies and help implement them.
• Partner with leaders in product, engineering, marketing, and finance to ensure that the teams work fits within the larger picture
• Hire talented team to staff new projects as the business grows

• Bachelors degree in Engineering, Business, Finance, Computer Science, or Mathematics
• 6+ years of industry experience in data analytics and credit risk management, ideally in comparable regions to the Philippines.
• Experience leading a team of analysts
• Candidate must be located in an APAC time zone
• Eagerness to learn new tools and analytical methods, staying up to date with innovative trends and new products in the industry
• Exceptionally strong problem solving and communication with the ability to both get in the weeds and communicate to an executive audience

What Youll Get At Tilt

• Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. Youll get started with a WFH office reimbursement.
• Competitive pay: Were big on potential, and its 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 were 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. (Weve visited Vail, San Diego, and Mexico City, to name a few.)
• Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

Were 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. Were in this together, working to expand access to fair credit and prove that people are incredible. When you join us, its not just another day at the [virtual] office, youre helping millions of hardworking people reach better financial futures.

Youre pushing ahead in your career We can get behind that. Join us in building the credit system that people deserve.