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, 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.

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.

• 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.

• 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