Staff Data Scientist, 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.

NIRA is building a consumer credit platform for Middle India targeting 200m underservied people. Active in 5000 cities and processing 15000 loan applications/day NIRA is backed by and integrated with US-based Tilt.

This is a hybrid role requiring you to work in our Bangalore office 2-3 days/week.

Were hiring for a Staff Data Scientist to help expand Tilts credit modeling and risk analytics capability for our India-based business NIRA.

This is a high impact role with a direct mandate to build and refine underwriting models as well as other models working at the intersection of credit data science and leadership.

Youll 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.

• NIRA is undertaking a solid turn in unit economics with a view to growing to being the largest fintech in India and this is an opportunity to build foundational credit models and features from the ground up.

• With direct exposure to leadership your work will shape both near-term lending performance and long-term data infrastructure.

• You will partner directly with cross-functional teams across credit engineering and leadership bringing strong project and stakeholder management skills to a lean fast-growing team.

• Work with alternative data where the underwriting process and modeling reflect the maturity of the market

• 7 years of deep expertise in predictive modeling ideally within credit risk or actuarial settings.

• Strong proficiency in Python SQL and ML libraries like scikit-learn LightGBM XGBoost.

• Familiarity with AI tools such as Claude Codex or agentic workflows

• Experience building models from scratch and owning projects end-to-end

• Strong stakeholder management skills; experience partnering with cross-functional teams to drive outcomes.

• Clear communication skills including the ability to present complex findings to non-technical leadership.

• Experience working in high-growth ambiguous environments with lean teams.

• Fintech experience - especially in credit/lending models or alternative underwriting.

• Familiarity with legacy credit systems and how to modernize them.

• Familiarity with funnel management and ways to novate reject rules into modeling outcomes

• Exposure to the Indias credit markets and ability to transfer insights between geographies.

• Experience with models across the loan life cycle

• Knowledge of deep learning frameworks (TensorFlow PyTorch) and modeling (CNN RNN) a plus but not essential.

1. Initial Recruiter Call: A conversation to learn about your experience and what youre looking for in your next role.

2. Hiring Manager Interview: A deeper discussion about your background and approach to solving challenges.

3. Skills Panel: Meet with Tilt and NIRA team members to discuss your expertise and problem-solving approach through real-world scenarios.

4. Leadership Conversation: A final conversation with our CEO to discuss our mission and how you could contribute to it (and how we can help you achieve your career goals along the way).

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