Staff Backend Engineer NIRA

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 were not just changing how people access financial products were creating a new credit system that backs the working whatever theyre working toward.

Location: Bangalore (Hybrid)

As a Staff Backend Engineer on NIRA youll play a pivotal role in shaping the technical direction of a critical domain within our credit platform. Youll lead a complex product area end-to-end from strategy through execution while working closely with our Principal Engineer GM and cross-functional partners across NIRA Cashalo and our US teams.

• Own a domain: Lead strategy design and delivery for a core part of NIRAs platform.

• Set technical direction: Spot strategic needs and surface risks before they become problems.

• Drive complex initiatives: Take large high-stakes projects from design to ship.

• Champion AI-native engineering: Push adoption of tools like Claude Cursor and Augment across the team.

• Mentor engineers: Level up engineers up to Senior and raise the technical bar in Bangalore.

• Lead incidents: Own SEV1 and lower incident response through to resolution.

• Bridge global teams: Align with Principal Engineering and peers across NIRA Cashalo and US teams.

• Influence the roadmap: Shape product direction through technical tradeoffs not just execution.

• Simplify systems: Cut complexity out of designs before it compounds.

• 7 years building web APIs ideally in Java and Spring Boot

• Deep experience with financial systems: state machines complex lifecycles

• Strong grasp of distributed systems and queue-based architectures

• Proven track record scaling consumer products at high transaction volume

• End-to-end ownership: design execution and reporting on your own initiatives

• Comfortable deciding fast with incomplete information

• A mentor who actively raises the bar for engineers around you

• Genuine enthusiasm for AI dev tools not just tolerance of them

• Bias for simplicity over clever abstractions

Dont meet every qualification We care about potential over your past. If youre bringing ambition and drive to what were building we want to hear from you.

• 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.

Required Experience:

Staff IC