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.
Tala is an AI-native credit infrastructure platform that provides credit access to the global majority in underserved markets across Africa, Latin America, and Asia. The company combines proprietary risk intelligence with a network of capital and distribution partners to power credit at scale, having distributed over $7 billion to more than 13 million customers. Tala has built one of the most robust datasets on thin-file borrowers globally and is recognized as a leading fintech disruptor, named to CNBC's Disruptor 50 for five consecutive years and Forbes' Fintech 50 for nine consecutive years. The company is backed by over $500 million in funding and operates with a mission to unleash the economic power of the global majority through trust and credit infrastructure.
