Senior Credit Risk Manager

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Tala

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2011

💳 Fintech

🤖 Artificial Intelligence

👥 B2C

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.

📋 Description

• 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 • 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

🎯 Requirements

• 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

🏖️ Benefits

• Inclusion fosters innovation • Diverse global team • Employment opportunities regardless of personal attributes