Senior Credit Risk Manager

Job description

**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! ### **About the Role** 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 - Bachelor's degree in finance, engineering, statistics, or a related discipline - Comfortable working in a fast-paced, global environment with distributed teams across multiple time zones