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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 a remote-first model with office hubs in Santa Monica (HQ), Nairobi, Mexico City, Manila, and Bangalore.
As Senior Product Manager for Fraud & Risk, you will own Tala's product strategy for fraud prevention, customer authentication, and identity-related experiences across the entire customer journey. This is a highly cross-functional role requiring you to balance fraud prevention with seamless customer experience—reducing fraud losses and false positives while minimizing friction for legitimate users.
Key responsibilities include:
**Strategy & Ownership**: Define and own a multi-year product strategy and roadmap for fraud prevention, authentication, identity, and risk capabilities. Identify opportunities to improve fraud detection across signup, login, account management, and other high-risk actions. Translate complex fraud patterns and emerging attack vectors into clear product strategies.
**Data-Driven Product Development**: Partner closely with Data Science and Analytics to define model objectives, evaluate performance, and identify detection improvements. Establish and monitor key metrics including fraud loss rates, detection accuracy, false-positive rates, customer conversion, and authentication success. Identify data gaps and collaborate on fraud detection models, rules, feature infrastructure, and decisioning systems.
**Execution & Leadership**: Translate ambiguous fraud problems into clear product requirements for Engineering teams. Lead cross-functional delivery of the roadmap, prioritizing based on customer impact, fraud exposure, business value, and technical complexity. Drive initiatives from strategy through launch, measurement, and iteration.
**Incident Management & Continuous Improvement**: Investigate fraud incidents and emerging patterns in partnership with Data Science, Analytics, Engineering, and Operations. Turn lessons into proactive improvements and develop approaches for rapid response as fraud patterns evolve.
**Cross-Functional Collaboration**: Build strong partnerships across Product, Engineering, Data Science, Analytics, Lending, Finance, Customer Care, Marketing, and Legal. Communicate complex fraud and risk concepts to technical and non-technical stakeholders. Manage relationships with external vendors and technology partners. Create alignment across distributed global teams in an environment with incomplete or ambiguous information.
**Requirements**:
- 5+ years of Product Management experience, with experience owning complex technical products or platforms
- Proven experience building or managing products related to fraud, risk, authentication, identity, KYC, account security, payments, lending, or financial crime
- Experience partnering closely with Engineering and Data Science to build fraud detection, risk decisioning, authentication, or identity solutions
- Experience using data and metrics to make product decisions and measure outcomes
- Experience managing fraud incidents, emerging fraud patterns, or other high-impact risk events
- Ability to translate complex and ambiguous problems into clear product requirements and actionable roadmaps
- Experience managing external vendors or technology partners
- Strong cross-functional leadership and communication skills
- Comfort operating in a fast-paced, distributed, and highly collaborative environment
