--- title: 'Lead Product Manager, Growth at Tilt Finance' canonical: 'https://feeny.ai/job/lead-product-manager-growth-tilt-finance-united-states-4g7pj2gtqmj3' type: 'job' last_seen: '2026-11-08' --- # Lead Product Manager, Growth at Tilt Finance - **Company:** Tilt Finance - **Location:** United States - **Compensation:** $200k–$270k - **Employment:** full-time - **Work type:** remote - **Posted:** 2026-07-21 - **Last confirmed live:** 2026-11-08 - **Apply:** https://jobs.ashbyhq.com/tilthq/4ca36cc4-295f-4709-90a8-2a3baec8eac1 ## Job description 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: Lead Product Manager, Growth We're looking for a Lead PM to own product-led growth across our consumer app. This is not a channel-optimization or referral-tuning seat: you'll own how new and existing users discover value, move through the product, graduate to higher-value products, and adopt more of what we offer across the entire product ecosystem, not a single feature. A core part of this role is building the frameworks that decide where we route users. You'll prioritize journeys for graduation and for the highest enterprise value, and turn that into a clear, shared view of where growth effort should go. To do that well, you'll lead and orchestrate the heads of our different product areas, aligning them on the opportunities and on the growth frameworks everyone builds against. You'll be the most senior product voice on growth: setting the thesis, running the experiments, and making the calls on what we build to move activation, conversion, retention, and cross-product adoption. That includes the judgment call on quality versus speed: knowing when a bet warrants a polished, durable build and when it should ship fast and rough to learn, and being able to defend which mode you're in. We want a real product leader here. Someone who starts from the user, forms sharp hypotheses about why people do and don't move through the product, and validates them with research and experiments before we build. Strong analytics are assumed. Product judgment and user empathy are the spike. ## How You'll Make an Impact - The growth thesis for the consumer product: where the biggest activation, conversion, retention, and cross-adoption opportunities are, and why. - The frameworks that decide where we route users, prioritized for graduation and for the highest enterprise value. - The app structure and information architecture: how the product is organized and how we navigate users to the right place at the right time. - Retention as a first-class outcome, not just top-of-funnel growth. - A prioritized experiment roadmap. You design the tests, define the hypotheses, and read the results yourself. - The end-to-end funnel from first touch through repeat engagement, including how users route between products and adopt adjacent ones. - Orchestrating the heads of our product areas to align on growth opportunities and shared frameworks. - Partnership with the leaders of Cash Advance, Everyday Money, Line of Credit, and Credit Card products to deliver best-in-class user experiences and returns across the portfolio. - The pricing structure, owned in close partnership with Credit and the heads of each product, to increase share of wallet and monetization across the portfolio. - The product-pipeline thesis, owned jointly with Credit and the Head of US Core. You'll build the strategy, analysis, and thesis that determine which products are missing from our pipeline and worth building. - Flywheels beyond the obvious. We want net-new growth loops, not another referral tweak. - Partnership-driven growth opportunities that extend reach beyond the core product surface. What the First 90 Days Look Like - By day 30: A clear diagnosis of the funnel and retention gaps, backed by data and user insight, with the biggest opportunities scoped and prioritized. - By day 60: An aligned, cross-functional growth framework that the product-area heads have bought into, from which the hypotheses and tests are derived. - By day 90: Initial tests live and moving a key metric, or cleanly disproving it, with a roadmap the team is aligned behind. ## Why You're a Great Fit - Deep consumer growth experience. You've owned consumer growth end to end and can point to work that moved real business metrics. - Scale. You've scaled a product or growth function and can show the trajectory. - Genuine user empathy. This is essential and non-negotiable for this role. You have strong instincts for what makes users move, and you back them with research, not just dashboards. It's the trait we care about most. - Hands-on experimentation. You design and run A/B tests yourself and interpret the results. You don't hand this to an analytics partner. - Strategic range. You can zoom from a multi-quarter growth thesis down to the copy on a single screen and back. - Judgment on quality versus speed. You know when to push for a fast, scrappy test to learn and when to invest in a durable, high-quality build, and you can articulate why for a given bet. - Orchestration and influence. You can lead and align senior product and functional leaders without owning them, and drive a shared framework across areas. - Cross-functional partnership. You partner deeply across design, credit, and the other product owners to deliver the experience and the returns, not just the metrics behind them. - Conviction under pressure. You hold a clear point of view and defend it with sharp reasoning, including against strong, opinionated cross-functional partners. - A track record in fast-moving environments where you owned a meaningful surface, not a sliver of a large org's roadmap. - Direct-to-consumer product experience is required. Subscription experience is a plus, not a requirement. 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. 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. ## About Tilt Finance ## Company Overview - **One-liner**: Tilt is a financial technology company that uses machine learning to analyze over 250 non-traditional financial signals to provide cash advances and credit cards to people overlooked by traditional credit scoring. - **Entity Type**: Private (Series D, backed by Sequoia Capital) - **Headquarters**: San Francisco, California, United States - **Founded**: 2016 - **Founders**: Warren Hogarth (Co-Founder & CEO), Jan Chong (Co-Founder & CTO) ## Core Business - **Primary industry**: Financial Services, Consumer Fintech, Alternative Credit - **Target customers**: B2C — underbanked and credit-invisible consumers in the U.S., Brazil, India, the Philippines, and Mexico who lack reliable access to fair credit. - **Mission**: "We're building a new credit system to prove it." — Backing the hard work people do, whatever they're working toward, by expanding access to cash and credit. ## Products & Services - **Cash Advance**: Mobile-first cash advance product that provides instant access to funds directly to a bank account with automated, flexible repayment. Evaluates creditworthiness using real-time income and spending data, not just credit scores. - **Thrive Line of Credit**: A credit-building line of credit product that rewards consistent on-time payments with offer increases and larger lines. - **Petal Credit Cards**: Credit cards designed for people with thin or no credit history, using machine learning underwriting to assess financial health. - **NIRA**: A credit product serving the Indian market, built in collaboration with local financial institutions. - **Cashalo**: A credit product serving the Philippine market, embedded in local financial ecosystems. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed; named by Forbes as one of the "Next Billion-Dollar Startups" in 2024. - **Key Metric**: Over $1 billion in total cash and credit accessed via the platform; over 5 million customers; 450,000+ 5-star reviews. - **Notable Investors/Partners**: Sequoia Capital (lead investor), Blisce, Icon Ventures. - **Growth Signals**: Ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list (third year in a row in the top 100). Named Forbes America's Best Startup Employers (2023). Thrive product was named Fast Company's Next Big Things in Tech (2022). Active expansion into Brazil (hiring Head of Credit for Brazil), India (NIRA), Philippines (Cashalo), and Mexico. ## Competitive Advantages - **Proprietary Underwriting Engine**: Uses 250+ non-traditional signals of financial health (real-time income, spending patterns, gig economy activity) rather than legacy credit scores, enabling it to serve tens of millions of people that traditional lenders decline. - **Machine Learning & Data Moat**: The scale of data (over 5M customers) creates a significant feedback loop for model accuracy — the more people they approve and track, the smarter their risk models become. - **Multi-Product Ecosystem**: Not a single product lender; they offer cash advances, lines of credit, and credit cards, allowing them to graduate customers upward as their financial health improves, increasing lifetime value. - **Global Expansion First-Mover**: Actively launching localized credit products in Brazil, India, Philippines, and Mexico, which gives them a head start in underbanked markets where incumbents are slow to innovate. ## Strategic Focus - **Global Expansion**: Building country-specific credit products (NIRA in India, Cashalo in Philippines) and hiring leadership for new markets like Brazil and Mexico. - **Agentic AI Integration**: Hiring an "Agentic AI Lead (Business Transformation)" — suggesting they are building AI agents to automate credit decisions, customer support, and risk operations. - **Product Deepening**: Expanding from cash advances and credit cards into broader lines of credit and larger loan products as customers build history with the platform. - **Regulatory & Compliance Scaling**: Hiring corporate counsel, compliance leads for new geographies (Mexico, Brazil), reflecting a push into regulated financial landscapes. ## Why Work Here - **Virtual-first culture with global team**: Collaborating across 14 countries, 12 time zones. Remote-first but with twice-yearly global onsites ("Magic happens IRL: we gather twice a year to reconnect over a shared meal or a kayaking adventure"). - **Low-meeting culture**: "Give us the data-driven recommendation on Slack over the meeting and multi slide deck." — emphasizes asynchronous communication and deep work. - **Full health coverage**: Flexible plans at every premium level with substantial subsidies that "stand up to global standards." - **Home office subsidy**: Funded to get the gear you need. - **Flexible time off**: Unlimited PTO with an emphasis on taking time to "stay at the top of your game." - **Competitive pay**: "Above-market compensation" with growth opportunities following contributions, not rigid promotion timelines. - **Diverse backgrounds welcome**: Explicitly states no prior experience in consumer finance required — they value diverse, unique backgrounds. All backgrounds welcome. - **Feedback culture**: "Up, down, sideways — we help each other grow with honest, constructive conversations." - **Global hiring**: Active open roles across the U.S. (remote), Brazil (remote), India (hybrid Bengaluru), Philippines (hybrid Manila), Mexico (remote), Australia (remote), and the EU (remote). ## Sources 1. [tilt.com](https://tilt.com/) 2. [tilt.com/about](https://tilt.com/about) 3. [tilt.com/careers](https://tilt.com/careers) 4. [linkedin.com/company/tilthq](https://www.linkedin.com/company/tilthq) 5. [builtin.com](https://builtin.com/company/empower) 6. 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