Logo for Tala

Senior Manager Expansion Risk

Tala

Role overview

Qualifications

  • 6+ years of experience in unsecured consumer lending, with hands-on ownership of credit portfolio performance in a high-volume, data-driven environment
  • Demonstrated ability to develop and execute credit strategies that balance growth and risk
  • Strong analytical foundation; comfort with ambiguity and indirect data signals when direct data is unavailable
  • Proficiency in SQL required; Python preferred

Responsibilities

  • Responsible for understanding portfolio health across the full customer lifecycle and making strategy recommendations accordingly
  • Develops and executes credit strategies within Tala's decisioning frameworks
  • Monitors portfolio KPIs continuously, identifies emerging trends, and translates findings into actionable strategy changes
  • Leads underwriting strategy for partnership pilots and ongoing risk management for Tala's B2B2C portfolio

About the company

Tala logo

Tala

Microfinance & Inclusive Finance

Tala is the first financial platform for the Global Majority. Our leading money app bridges digital and cash ecosystems to deliver instant access to credit, payments, savings, and transfer services to millions of customers on three continents. Powered by advanced technology and human creativity, Tala is reinventing financial infrastructure to solve what legacy institutions can’t or won’t, in order to unlock global economic progress. Tala has raised nearly half a billion dollars in investments and debt, backed by leading venture and impact investors including Upstart, the Stellar Development Foundation, RPS Ventures, the J. Safra Group, IVP, Revolution Growth, Lowercase Capital, and PayPal Ventures. Tala has been named to Fortune’s Impact 20, CNBC’s Disruptor 50 list four years in a row, and Forbes’ Fintech 50 list for eight consecutive years. Tala’s impact has been highlighted by the New York Times, NPR, Forbes, the Financial Times, the Wall Street Journal and TED, among others. Tala is headquartered in Santa Monica with offices in Nairobi, Manila, Mexico City, and Bangalore.

Company details

Company typeLarge
IndustryMicrofinance & Inclusive Finance
Company size501 - 1000

Links

Website LinkedIn See all jobs

Your match analysis

See how your profile stacks up against this role.

We compared the job requirements to your profile to show where you're strong and where you fall short.

Job description

About Tala
 
Tala is AI-native credit infrastructure for the global majority, combining proprietary risk intelligence with an expanding network of capital and distribution partners to power credit access at scale. Backed by more than $500 million in funding, Tala has distributed more than $7 billion in capital to more than 13 million customers across Africa, Latin America, and Asia—building one of the most robust datasets on thin-file borrowers anywhere in the world. Our mission is simple yet bold: to unleash the economic power of the global majority. We are looking for daring, data-driven leaders passionate about building the trust and credit infrastructure for the global majority.
 
Our pioneering work and proven impact have earned us consistent recognition, including being named to:
CNBC’s Disruptor 50 for five years.
CNBC’s World's Top Fintech Companies for two consecutive years.
Forbes’ Fintech 50 list for nine consecutive years.
Visionary investors, persuaded by the economic power of the global majority, have committed half a billion dollars in equity and debt to Tala's success.
 
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!

We are seeking an experienced, impact-oriented credit leader to own Tala's Expansion Markets risk function, covering our growth D2C markets and our Partnership (B2B2C) underwriting. The candidate will report to the Director of Risk and will be the key analytical and strategic owner for these portfolios - responsible for risk performance monitoring, strategy development and implementation, and cross-functional execution with Product and Data Science squads. A defining element of this role is the ability to translate both current portfolio performance and long-term forward-looking expectations into risk strategy - including in markets where data histories are still maturing and conviction must be built from first principles, lending intuition, and structured judgment rather than established baselines.

The ideal candidate is a strong credit practitioner who combines analytical rigor with strategic instinct and consumer lending intuition. They are equally comfortable synthesizing net new data points into a credible underwriting strategy for a partnership pilot as they are partnering with Product to shape decisioning roadmaps. They thrive in ambiguity, move with urgency, and communicate with precision.


What You'll Do

Expansion Portfolio Ownership & Credit Strategy

  • Responsible for understanding portfolio health across the full customer lifecycle and making strategy recommendations accordingly

  • Develops and executes credit strategies within Tala's decisioning frameworks, including approval rate calibration, limit setting, and pricing

  • Monitors portfolio KPIs continuously, identifies emerging trends (volume, quality, customer behavior), and translates findings into actionable strategy changes

  • Develops existing decisioning frameworks to support evolution of portfolio

  • Partners with Product and Data Science squads to translate risk strategy priorities into decisioning improvements - from feature development to model calibration to A/B test design

  • Provides concise, well-reasoned portfolio updates to leadership, Finance, and Capital Markets stakeholders

    • Partnership Underwriting

  • Leads underwriting strategy for partnership pilots and ongoing risk management for Tala's B2B2C portfolio including evaluating net new partner data, assessing its quality, and incorporating into credit policy

  • Establishes and maintains credit policies tailored to partnership structures, ensuring alignment with Tala's enterprise risk appetite while accounting for partner-specific dynamics (e.g., data availability, regulatory environment, customer profile)

  • Evaluates new partnership opportunities from a risk perspective, providing structured assessments of underwriting feasibility, expected performance, and risk-adjusted economics

  • Partners with Data Science on data collection strategies for pilots - balancing what's needed to support future model development and policy design against prudent cost exposure


    • What You'll Need

  • 6+ years of experience in unsecured consumer lending, with hands-on ownership of credit portfolio performance in a high-volume, data-driven environment

  • Demonstrated ability to develop and execute credit strategies that balance growth and risk - including experience with approval policy, pricing, limit management, and portfolio segmentation

  • Experience with partnership or B2B2C lending a strong plus; comfort adapting underwriting frameworks to non-standard data environments required

  • Strong analytical foundation; comfort with ambiguity and indirect data signals when direct data is unavailable

  • Proactive and inquisitive approach to identifying and surfacing emerging risks and opportunities before they become problems

  • Clear, precise communicator - able to synthesize complex portfolio dynamics into crisp recommendations for both technical and non-technical audiences

  • Strong cross-functional instincts; track record of influencing product and engineering partners on credit priorities without direct authority

  • Proficiency in SQL required; Python preferred

  • Comfortable working in a fast-paced, global environment with distributed teams across multiple time zones

    • 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.

    Apply once. Then go straight to the hiring manager.

    After you apply, unlock the direct contact details of the people who actually make the call. A quick follow-up makes you 5x more likely to land an interview.

    MR

    Marcus Rivera

    Chief Revenue Officer

    m.rivera@company.com
    linkedin.com/in/marcusrivera
    Unlocked after you apply
    ·

    Related jobs

    Indiana (USA)

    Other jobs at Tala

    Premium

    Reach out to the hiring manager directly.

    Gain access to the contact details of the hiring managers who actually decide, and reach out to network with them directly. That, plus more when you upgrade:

    • Full match report with fit score and gaps
    • Career diagnostics on how recruiters read you
    • Curated company matches and warm intros
    • 48h early access to new roles

    Cancel anytime.