[Remote] Risk Operations Transformation Lead

Note: The job is a remote job and is open to candidates in USA. Tilt is a financial technology company developing mobile-first products and machine learning-powered credit models to expand access to fair credit. The Risk Operations Transformation Lead will lead operational transformation programs spanning AI-enabled operations, process redesign, tooling, automation, analytics, partner delivery, and operational readiness, while driving measurable improvements in risk outcomes, quality, capacity, and cost.

Responsibilities

• Serve as the Risk Operations business owner for AI Enabled Operations, prioritizing automation opportunities by volume, complexity, customer impact and operational risk
• Define the requirements, decision logic, controls and success measures for Risk automation, and partner with Product and Engineering through design, testing and launch
• Monitor automation after launch (adoption, accuracy, quality, risk outcomes and savings) and lead improvements when results fall short
• Lead transformation programs that simplify Risk Operations processes, workflows, roles and handoffs, from problem definition through adoption and measurement
• Identify work that can move to better tooling, self-service capabilities or BPO partners, and define tooling improvements with Product and Engineering
• Work with Shared Services and Vendor Management on operational readiness, including documentation, training, quality controls, escalation paths and post-launch monitoring
• Define the metrics that show performance, capacity, quality and risk trends, and use them to find root causes and prioritize improvements
• Keep new processes, tools and automation aligned with requirements set by Compliance, Fraud Strategy and other policy owners
• In your first 90 to 180 days: build a prioritized program portfolio, deliver initial improvements, and show measurable movement in an outcome such as SLA attainment, backlog age, quality, loss outcomes or cost per case

Skills

• 5+ years of experience in Risk Operations, Fraud Operations, Disputes, Credit Risk, Trust and Safety, Compliance Operations, operations strategy, program management or a related field
• Track record leading operational improvement or transformation programs, including redesigning processes, implementing tools or launching automation, from problem definition through measurement
• Strong understanding of how operational queues, investigations, reviews and escalations work in practice
• Strong analytical skills, with experience using operational data to identify trends, diagnose root causes and make recommendations
• Able to turn ambiguous problems into clear plans, requirements and measurable results while managing multiple complex initiatives
• Able to influence stakeholders and drive decisions without direct authority
• Clear written and verbal communication with frontline teams, technical partners and senior leadership
• Sound judgment on operational risk, controls, prioritization and escalation
• Experience in fintech, payments, banking or another highly regulated environment
• BPO or distributed-team transitions
• Change-management experience
• Writing product or business requirements
• SQL and Looker, Tableau or Databricks
• Familiarity with capacity models, SLA and quality measures, and regulations such as Reg E, Reg Z and UDAAP

Benefits

• WFH office reimbursement
• Competitive compensation packages and generous equity
• Flexible health plans at every premium level, with substantial subsidies
• Direct exposure to the leadership team
• Paid global onsites held twice yearly
• Growth opportunities based on contributions rather than rigid promotion timelines

Company Overview

Company H1B Sponsorship