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 were not just changing how people access financial products were creating a new credit system that backs the working whatever theyre working toward.

NIRA is building a consumer credit platform for Middle India targeting 200m underservied people. Active in 5000 cities and processing 15000 loan applications/day NIRA is backed by and integrated with US-based Tilt.

This is a hybrid role requiring you to work in our Bangalore office 2-3 days/week.

The Opportunity: Compliance Analyst NIRA

As Compliance Analyst at NIRA an RBI-registered NBFC youll carry out our risk-based compliance testing program across digital lending KYC (Know Your Customer) anti-money laundering credit bureau reporting customer conduct and data protection turning regulations into testable controls and backing every finding with audit-ready evidence. Youll track regulatory change from RBI FIU-IND and other authorities keep our policies and procedures current and advise product operations and collections teams on customer journeys pricing and partnerships. Youll also report results to management and the Board support RBI inspections and review the partners and vendors we rely on so your work directly shapes how a regulated lender operates.

How Youll Make an Impact

- Own compliance testing: Execute the risk-based annual testing plan running tests of design and operating effectiveness across digital lending KYC AML/CFT (anti-money laundering and countering the financing of terrorism) fair practices outsourcing and IT controls.

- Protect credit reporting quality: Test the completeness timeliness and field-level accuracy of submissions to credit bureaus against the loan management system and track data quality scores against industry benchmarks.

- Build audit-defensible evidence:



Prepare workpapers with clear scope sampling test steps and conclusions classify findings by severity and drive remediation with business owners through to evidence-backed closure.

- Stay ahead of regulation: Maintain the regulatory change tracker across RBI FIU-IND (Financial Intelligence Unit India) MeitY and other bodies and give practical day-to-day advice on customer journeys pricing collections scripts and partnerships.

- Keep policies current: Maintain the policy library and compliance calendar draft amendments to Board-approved policies and write the procedures and checklists that sit beneath them.

- Report and support inspections: Prepare compliance reporting for management the Risk Management Committee and the Board and support RBI inspections supervisory correspondence and regulatory filings.

- Champion customer conduct: Monitor grievance redressal end to end oversee escalated and regulator-routed complaints and report on trends and root causes.

- Oversee partners and data protection: Run compliance due diligence and periodic reviews of lending partners collection agencies and vendors and help operate and test our framework under Indias Digital Personal Data Protection (DPDP) Act.

Why Youre a Great Fit

- 34 years of post-qualification experience in compliance legal or regulatory assurance at an NBFC (non-banking financial company) bank payments institution or regulated fintech; digital lending experience is strongly preferred.

- An LLB CA CS or a postgraduate qualification in finance commerce or risk.

- Working command of the RBI framework for NBFCs and digital lending including the digital lending directions KYC directions scale-based regulation and the Fair Practices Code.

- The ability to read a regulation and turn it into a testable control.





- Practical AML knowledge grounded in the Prevention of Money Laundering Act 2002 and its record-keeping rules plus familiarity with FIU-IND reporting.

- Comfort working directly with product engineering operations and collections teams.

Nice-to-have

- Familiarity with data protection obligations under the DPDP Act 2023 and credit information obligations under the Credit Information Companies (Regulation) Act.

Dont meet every qualification We care about potential over your past. If youre bringing ambition and drive to what were building we want to hear from you.

What youll get at Tilt

- Virtual-first teamwork: The Tilt team is collaborating across 14 countries 12 time zones and counting. Youll get started with a WFH office reimbursement.

- Competitive pay: Were big on potential and its 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 were 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. (Weve 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

Were 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 setting where every voice is valued and mutual respect is non-negotiable brilliant jerks need not apply. Were in this together working to expand access to fair credit and prove that people are incredible. When you join us its not just another day at the virtual office youre helping millions of hardworking people reach better financial futures.

Youre pushing ahead in your career We can get behind that. Join us in building the credit system that people deserve.

Required Experience:

IC

📌 Compliance Analyst, NIRA (Bengaluru)
🏢 Tilt Finance
📍 Bengaluru