Senior Backend Engineer, NIRA

At Tilt (formerly Empower), we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond outdated credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, 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.

NIRA is building a consumer credit platform for Middle India, targeting ~200m underservied people. Active in 5000+ cities and processing 15,000+ loan applications/day, NIRA is backed by and integrated with US-based Tilt.

We're looking for a strong Senior Software Engineer to join NIRA's engineering team. You will have the opportunity to shape strategy for the infrastructure and product roadmap. This role will give you the ability to have a direct and outsized impact on technical projects, leading to enormous potential for career-growth.

This role is based in our office in Bengaluru, with the potential to work 1-2 days from home once you have onboarded.

How you'll make an impact

• Work closely with the local NIRA Engineering team, and partner with the broader APAC Engineering team to increase the scale our platform can handle.

• Expand the platform to support multiple financial products and underlying instruments.

• Strengthen fraud detection and prevention systems.

• Collaborate with product, credit/finance, compliance, support and analytics teams.

Why you're a great fit

• Strong experience using Java (ideally .net too).

• Demonstrated experience working in AWS-native environments, using tools like DynamoDB, Athena and Lambda.

• You have experience with scaled technical solutions - have worked on projects to increase the scaleability of a platform.

• Clear communicator, ability to clearly articulate technical solutions and collaborate with colleagues globally.

• Product Engineer mentality - own your solutions from start to finish.

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.

• 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.

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.