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Tilt Finance

Staff Backend Engineer - NIRA

Remote - India
Level
Staff
Work type
Remote · India only

Not stated in the posting: salary, visa.

Open. First seen 2 October 2026.

Apply on the company's site →

About the role

Tilt Finance's standard text

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. With millions of customers worldwide, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

The Opportunity: Staff Backend Engineer - NIRA

Location: Bangalore (Hybrid)

As a Staff Backend Engineer on NIRA, you'll play a pivotal role in shaping the technical direction of a critical domain within our credit platform. You'll 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.

How you'll make an impact

  • Own a domain: Lead strategy, design, and delivery for a core part of NIRA's 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.

Why you're a great fit

  • 9+ 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
Tilt Finance's standard text

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

What you'll get at Tilt

  • Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.
  • Competitive pay: We're big on potential, and it's 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 — we’re 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. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)
  • Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.
Tilt Finance's standard text

The Tilt Way

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

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.

What this role asks for

Particular to this role

Spring

Rare in Tilt Finance's other 10 open postings.

Standard for backend roles

Java

Common in backend postings at any company.

In most of Tilt Finance's ads

Machine Learning

Named in most of its open postings, whatever the role.

67% of this description is written for the role. The rest is Tilt Finance's standard text, folded away below.

Compared with Tilt Finance's other open jobs.

The team: Engineering HIRES STEADILY

This role is one of 7 open in Engineering. 4 were posted in the last 30 days and the oldest in April: a team that hires all year rather than one being built.

WHAT THE TEAM WORKS WITH, ACROSS ITS POSTINGS

Machine Learning (7 of 7), .NET (4 of 7), C# (3 of 7), AWS (2 of 7), Java (2 of 7)

OTHER ROLES ON THIS TEAM

From the team and dates on Tilt Finance's own job board.

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