---
title: 'Senior Backend Engineer, Cashalo at Tilt Finance'
canonical: 'https://feeny.ai/job/senior-backend-engineer-cashalo-tilt-finance-australia-7vf4wz02k28s'
type: 'job'
last_seen: '2026-10-18'
---

# Senior Backend Engineer, Cashalo at Tilt Finance

- **Company:** Tilt Finance
- **Location:** Australia
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-23
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.ashbyhq.com/tilthq/3caea8b7-a7df-47e5-834d-cc3288d102fe/application

**Skills:** .NET, C#, SQL Server, Azure, REST APIs, Data Modelling, Query Optimisation, Fintech Experience, Lending Experience

> Build and scale core backend services and APIs using .NET and SQL Server for Cashalo's lending platform. This high-ownership remote role involves designing data models, optimizing performance, and collaborating with global engineering teams to ship improvements for millions of users.

## 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: Senior Backend Engineer, Cashalo

We're looking for a Senior Backend Engineer to join the the team building Cashalo. You'll play a key role in building and scaling the core technology that powers financial access for millions of Filipinos - working on product-facing features, platform reliability, and technical initiatives across our .NET and Azure stack. This is a high-ownership IC role on a lean, globally connected team. You'll work closely with product, credit, and engineering colleagues across APAC, with a global team to leverage when needed.

This is a 100% remote role that requires travel 2-4 times/year.

## How You'll Make an Impact

- Build and maintain robust backend services and APIs using .NET (C#) that power Cashalo's lending products
- Take ownership of features end-to-end — from requirements through to deployment — working closely with product and business stakeholders
- Contribute to platform reliability, observability, and deployment practices on Azure
- Help uplift the team through code reviews, knowledge sharing, and a high bar for quality

## Why You're a Great Fit

- Demonstrated hands-on experience in .NET (C#) building production-grade backend systems
- Strong experience with SQL Server — relational data modelling, query optimisation, and schema management
- Experience building on a public cloud platform (Azure, AWS, GCP)
- Strong fundamentals in designing and consuming REST APIs
- A product engineer mindset - you care about solving real user and business problems, not just writing clean code
- Comfortable operating with autonomy in a fast-moving, lean team where ownership and initiative are valued
- Experience in fintech or lending is a plus

Our Interview Process

- Recruiter Screen: A conversation to learn about your experience and what you're looking for in your next role.
- Hiring Manager Interview: A deeper discussion with Michael Dove about your background, ways of working, and career story.
- Technical Interview: A hands-on session covering technical depth, system design, and coding (.NET/Azure focused, ~1.5 hours).
- Leadership Conversation: A final conversation with our senior leadership team about mission, growth, and mutual fit.

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. [jobs.ashbyhq.com/tilthq](https://jobs.ashbyhq.com/tilthq)

## Other roles at Tilt Finance

- [Senior Credit Manager, Mexico](https://feeny.ai/job/senior-credit-manager-mexico-tilt-finance-mexico-011d1gndwq1w) — Mexico
- [Risk Operations Transformation Lead](https://feeny.ai/job/risk-operations-transformation-lead-tilt-finance-united-states-nf2jhe3ejnvd) — United States
- [Senior Product Designer, Growth](https://feeny.ai/job/senior-product-designer-growth-tilt-finance-united-states-8dv9z1ze11pp) — United States
- [Staff Backend Engineer - NIRA](https://feeny.ai/job/staff-backend-engineer-nira-tilt-finance-india-kwkehtngvgn9) — India
- [Senior Backend Engineer, NIRA](https://feeny.ai/job/senior-backend-engineer-nira-tilt-finance-india-zeh5qf09d3a3) — India
- [Senior Engineering Manager, Cashalo](https://feeny.ai/job/senior-engineering-manager-cashalo-tilt-finance-singapore-kr48f8ys1zgd) — Singapore
- [Head of Product Design](https://feeny.ai/job/head-of-product-design-tilt-finance-united-states-9vty0pemtmm3) — United States
- [Senior Software Engineer, Backend](https://feeny.ai/job/senior-software-engineer-backend-tilt-finance-canada-bv5m49ft2zyk) — Canada
- [Accounting Senior Manager, Brazil](https://feeny.ai/job/accounting-senior-manager-brazil-tilt-finance-sao-paulo-krs4q86q25q2) — São Paulo, Brazil
- [Data Science Manager, LATAM](https://feeny.ai/job/data-science-manager-latam-tilt-finance-americas-c4s4ht22r4hm) — Americas