VP Product – Lending & Retention

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October 14

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Tala

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Fintech • Artificial Intelligence • B2C

Tala is a fintech company that aims to break down financial barriers for individuals across Kenya, Mexico, the Philippines, and India through its innovative money app. The company provides a suite of financial services, including credit, payments, savings, and transfers, to empower their customers. Leveraging advanced artificial intelligence and machine learning technologies, Tala offers personalized financial experiences and creates digital financial identities for users who have been underserved by traditional finance institutions. With a focus on real-time money management, Tala's app simplifies access to instant credit and other financial services for millions, enhancing users' economic power and quality of life.

501 - 1000 employees

Founded 2011

💳 Fintech

🤖 Artificial Intelligence

👥 B2C

📋 Description

• Define Product Vision & Strategy • Develop and communicate a bold product roadmap for lending and retention aligned with Tala’s mission and growth objectives. • Balance innovation with portfolio health, risk, and regulatory compliance. • Partner closely with Finance & Capital Markets to ensure sustainable and diversified funding • Translate portfolio and product performance into narratives that resonate with investors and regulators • Anticipate and influence macroeconomic and regulatory shifts that impact capital and credit supply • Lead product strategy across the entire lending journey and customer conversion funnel – acquisition, underwriting, disbursement, repayment, and re-engagement. • Design retention initiatives that drive repeat usage, loyalty, and lifetime value. • Lead, mentor, and grow a world-class product team focused on lending, and retention. • Foster a culture of impact, innovation, and accountability. • Identify optimization opportunities to enhance our repayments rates ratio • Leverage 3rd party best practices and partners to significantly drive recoveries financially • Build a product strategy that drives global lending performance while tailoring execution for local customer, cultural, and regulatory contexts • Collaborate closely with GMs and market teams to ensure product decisions resonate locally while supporting the enterprise portfolio. • Establish KPIs for lending product performance, including portfolio quality, customer engagement, and unit economics. • Leverage data, experimentation, and customer insights to continuously optimize. • Partner with risk, operations, finance and marketing to ensure lending products deliver strong financial and social outcomes. • Collaborate with design and engineering to create seamless, mobile-first experiences. • Stay ahead of fintech, credit, and retention best practices globally. • Identify opportunities to introduce new credit features, loyalty programs, or adjacent financial products.

🎯 Requirements

• 15+ years of product leadership experience, ideally in fintech, lending, digital banking, or consumer financial services • Proven track record of scaling lending or retention products in high-growth environments • Strong understanding of credit dynamics, risk management, and unit economics • Customer-obsessed with deep empathy for underserved populations and emerging markets • Experienced leading global, cross-functional teams across product, engineering, and operations • Analytical and data-driven, with expertise in experimentation, A/B testing, and customer insights • Strategic thinker who can operate at both vision and execution levels • Excellent communicator and influencer across executive teams, investors, and regulators • Champion of diversity, inclusion, and building mission-driven cultures