Staff Software Engineer - Backend, Cards
Tilt (formerly Empower)
full-time
Posted on:
Location: 🇺🇸 United States
Visit company websiteJob 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.