Lead Data Scientist, Methodologies in London

Join the Tilt team! At Tilt, we use mobile-first products and machine-learning powered credit models to look beyond outdated credit scores, using over 250 real-time financial signals to recognise real potential. We are not just changing how people access financial products — we are creating a new credit system that backs the working, whatever they are working toward.

The Opportunity

At Tilt, we constantly explore new ways to understand financial behaviour and reduce risk. In this role you will shape how we use foundational models across our products. You will build and advance foundational modelling approaches, applying deep-learning methods such as neural networks, embeddings, and transformers to enhance how we understand financial data and make lending decisions. This is a great role for someone who is deeply curious about new modelling techniques and wants to see their ideas make a real difference. You will work with a small, experienced team of data scientists and engineers to design and apply deep-learning methods to challenges from credit decisioning to transaction modelling. Tilt is a remote-first company that fosters connectivity through regular off-sites; travel for company off-sites is required at least twice per year.

How You Will Make An Impact

• Develop and test new modelling approaches using deep-learning architectures such as transformers, embeddings, and neural networks.
• Build and refine frameworks that integrate into Tilt's existing ML pipelines to improve credit modelling and loss prediction.
• Work closely with data scientists, engineers, and product partners to translate complex ideas into practical solutions.
• Experiment with modern representation-learning techniques — including pre-training and fine-tuning — on real financial data.
• Share findings and mentor others, helping the team grow its deep-learning capability.
• Measure the impact of your models not just by accuracy, but by how they improve outcomes for Tilt's customers and partners.

Why You Are a Great Fit

• Experience with deep-learning – neural networks, embeddings, or transformers.
• Comfort working with modern ML frameworks (PyTorch, TensorFlow, or similar).
• Experience applying ML to real-world problems, ideally in financial services (credit, lending, payments, or banking).
• Strength in connecting data science to measurable business outcomes.
• Clear, thoughtful communication – you can explain technical ideas in ways others can engage with.

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

What You Will Get At Tilt

• Virtual-first teamwork – the Tilt team collaborates across 14 countries, 12 time zones, and counting. You will start with a WFH office reimbursement.
• Competitive pay – we reward potential, reflected in competitive compensation packages and generous equity.
• Complete support – flexible health plans at every premium level, with substantial subsidies meeting global standards.
• Visibility – direct exposure to leadership, where good ideas travel quickly.
• Paid global on-sites – we gather twice yearly for shared meals or kayaking adventures (Vail, San Diego, Mexico City).
• Impact is recognised – growth opportunities follow your contributions, not rigid promotion timelines.

The Tilt Way

We look for people who chase excellence and impact, who stand behind their work and celebrate wins while learning from missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable – brilliant jerks need not apply. We are in this together, working to expand access to fair credit and prove people are incredible. When you join us, it is not just another day at the virtual office; you are helping millions reach better financial futures.

You are pushing ahead in your career? We can support that. Join us in building the credit system that people deserve.