Tilt (formerly Empower)

Staff Software Engineer - Backend, Cards

Tilt (formerly Empower)

full-time

Posted on:

Origin:  • 🇺🇸 United States

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Job Level

Lead

Tech Stack

Distributed Systems.NET

About the role

  • Join a high-caliber engineering organization at a critical inflection point in Empower's growth trajectory.
  • Work directly with product and technical leaders across Card Spend and Card Payments domains, helping drive the technical strategy that powers our AI-driven credit platform.
  • Be a force multiplier—execute independently on complex challenges while elevating the capabilities of the entire team.
  • Have significant autonomy to identify opportunities and drive solutions across our payments and spend domains, with the support of experienced engineers who understand our unique architecture and business model.
  • Tilt is a remote-first company; travel for company offsites is expected at a minimum 2 times a year.
  • Scale one of the fastest-growing credit card platforms while building systems that directly contribute to Empower's mission of financial empowerment.
  • Drive adoption and utilization of our card products through engineering excellence.
  • Our AI-driven credit underwriting model has already proven successful, achieving exceptional approval rates with significantly lower customer acquisition costs.
  • Focus on scaling our platform to handle substantial growth—evolving our existing systems to support an expanding customer base while maintaining our competitive advantage.
  • Project focus areas include: enhancing AI-driven payment scheduling systems, scaling our rewards platform, optimizing virtual card infrastructure, building automated loss mitigation features, and creating sophisticated customer segmentation tools.

Requirements

  • 7+ years developing web APIs within .NET (C#)
  • Experience building resilient financial systems with state machine logic and complex lifecycles
  • Ability to balance immediate business needs with long-term architectural considerations
  • Strong understanding of distributed systems, queue-based architectures, and data-intensive applications
  • Experience scaling consumer-facing products with significant transaction volumes
  • Ability to collaborate effectively with product, risk, and operational teams
  • Comfort making decisions with incomplete information and adapting as new data emerges
  • Skill in mentoring and elevating the capabilities of other engineers
  • Able to effectively leverage AI-powered development tools (e.g., Cursor, Augment, Factory) to enhance productivity, code quality, and collaboration.