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Tala is an AI-native credit infrastructure company connecting global capital to emerging markets. The company has distributed over $9 billion to 14+ million customers across Africa, Latin America, and Asia, and operates with office hubs in Santa Monica (HQ), Nairobi, Mexico City, Manila, and Bangalore on a remote-first model.
As Senior Credit Risk Manager, you will own portfolio health and credit strategy across Tala's customer lifecycle. You'll develop and execute credit strategies within decisioning frameworks, including approval rate calibration, limit setting, and pricing. You'll continuously monitor portfolio KPIs, identify emerging trends in volume, quality, and customer behavior, and translate findings into actionable strategy changes. You'll also develop existing decisioning frameworks to support portfolio evolution and partner with Product and Data Science teams to translate risk strategy priorities into decisioning improvements—from feature development to model calibration to A/B test design. You'll provide concise, well-reasoned portfolio updates to leadership, Finance, and Capital Markets stakeholders.
You'll also lead underwriting strategy for partnership pilots and manage risk for Tala's B2B2C portfolio, including evaluating new partner data, assessing quality, and incorporating findings into credit policy. You'll establish and maintain credit policies tailored to partnership structures, ensuring alignment with enterprise risk appetite while accounting for partner-specific dynamics. You'll evaluate new partnership opportunities from a risk perspective, providing structured assessments of underwriting feasibility, expected performance, and risk-adjusted economics. You'll partner with Data Science on data collection strategies for pilots, balancing model development needs against prudent cost exposure.
REQUIREMENTS:
- 6+ years of experience in unsecured consumer lending with hands-on ownership of credit portfolio performance in high-volume, data-driven environments
- Demonstrated ability to develop and execute credit strategies balancing growth and risk, including approval policy, pricing, limit management, and portfolio segmentation
- Experience with partnership or B2B2C lending strongly preferred; comfort adapting underwriting frameworks to non-standard data environments required
- Strong analytical foundation with comfort navigating ambiguity and indirect data signals when direct data unavailable
- Proactive, inquisitive approach to identifying and surfacing emerging risks and opportunities
- Clear, precise communicator able to synthesize complex portfolio dynamics into crisp recommendations for technical and non-technical audiences
- Strong cross-functional instincts with track record of influencing product and engineering partners on credit priorities without direct authority
- Proficiency in SQL required; Python preferred
- Bachelor's degree in finance, engineering, statistics, or related discipline
- Comfortable working in fast-paced, global environment with distributed teams across multiple time zones
