At a glance
- Experience
- 6+ years experience
- Employment
- Full-time
- Workplace
- Hybrid
- Location
- PH
About TALA
- Tala is the AI-native credit infrastructure that connects global capital to the global majority. We combine proprietary risk intelligence with an expanding network of capital and distribution partners to power credit access at scale. To date, Tala has distributed more than $9 billion in capital to more than 14 million customers across Africa, Latin America, and Asia, building the definitive contextual dataset on thin-file borrowers in emerging markets. Tala is now converting that foundation into shared infrastructure that partners, capital providers, and ecosystems can build on.
- The company has been named to the Fortune Impact 20 list, CNBC’s World’s Top Fintech Companies twice, CNBC Disruptor 50 for five years, and Forbes’ Fintech 50 list for ten years running.
- Given the global nature of our team, we operate on a remote-first approach with office hubs in Santa Monica, CA (HQ); Nairobi, Kenya; Mexico City, Mexico; Manila, the Philippines; and Bangalore, India.
- Most Talazens join us because they connect with our mission. If you are energized by the impact you can make at Tala, we’d love to hear from you!
- Our vision is to build a new financial ecosystem where everyone can participate on equal footing and access the tools they need to be financially healthy. We strongly believe that inclusion fosters innovation and we’re proud to have a diverse global team that represents a multitude of backgrounds, cultures, and experience. We hire talented people regardless of race, religion, color, national origin, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.
- Expansion Portfolio Ownership & Credit Strategy
About the role
- The Senior Credit Risk Manager will own expansion portfolio strategy and partnership underwriting at Tala. This role involves managing portfolio health, developing credit strategies within decisioning frameworks, and collaborating with Product and Data Science teams to drive risk-adjusted growth.
Responsibilities
- Understand portfolio health across the full customer lifecycle and make strategy recommendations.
- Develop and execute credit strategies including approval rate calibration, limit setting, and pricing.
- Monitor portfolio KPIs, identify emerging trends, and translate findings into actionable strategy changes.
- Develop existing decisioning frameworks to support portfolio evolution.
- Partner with Product and Data Science squads to translate risk strategy priorities into decisioning improvements.
- Provide portfolio updates to leadership, Finance, and Capital Markets stakeholders.
- Lead underwriting strategy for partnership pilots and ongoing risk management for the B2B2C portfolio.
- Establish and maintain credit policies tailored to partnership structures.
- Evaluate new partnership opportunities from a risk perspective, including underwriting feasibility and risk-adjusted economics.
- Partner with Data Science on data collection strategies for pilots.
Requirements
- 6+ years of experience in unsecured consumer lending with hands-on ownership of credit portfolio performance.
- Demonstrated ability to develop and execute credit strategies balancing growth and risk.
- Comfort adapting underwriting frameworks to non-standard data environments.
- Strong analytical foundation with comfort using indirect data signals.
- Proactive approach to identifying and surfacing emerging risks and opportunities.
- Clear, precise communication skills for technical and non-technical audiences.
- Strong cross-functional instincts and ability to influence product and engineering partners.
- Proficiency in SQL.
- Bachelor's degree in finance, engineering, statistics, or a related discipline.
- Comfort working in a fast-paced, global environment with distributed teams.
Preferred qualifications
- Experience with partnership or B2B2C lending
- Python proficiency
Workplace
- Remote-first approach
- Global team with distributed teams across multiple time zones
Skills
- SQL
- Python
- Underwriting
