Senior Manager, Expansion Risk

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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

• Own Tala's Expansion Markets risk function across growth D2C markets and Partnership (B2B2C) underwriting • Report to the Director of Risk and serve as analytical and strategic owner for the portfolios • Monitor risk performance and portfolio health across the full customer lifecycle • Develop and execute credit strategies, including approval-rate calibration, limit setting, pricing, and portfolio segmentation • Continuously monitor portfolio KPIs, identify emerging trends, and translate findings into strategy changes • Develop decisioning frameworks to support portfolio evolution • Partner with Product and Data Science squads on feature development, model calibration, decisioning improvements, and A/B test design • Provide concise portfolio updates to leadership, Finance, and Capital Markets stakeholders • Lead underwriting strategy and ongoing risk management for partnership pilots and Tala's B2B2C portfolio • Evaluate partner data quality and incorporate relevant data into credit policy • Establish credit policies tailored to partnership structures and enterprise risk appetite • Evaluate partnership opportunities for underwriting feasibility, expected performance, and risk-adjusted economics • Partner with Data Science on pilot data-collection strategies

🎯 Requirements

• 6+ years of experience in unsecured consumer lending with hands-on ownership of credit portfolio performance in a high-volume, data-driven environment • 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 is a strong plus; comfort adapting underwriting frameworks to non-standard data environments required • Strong analytical foundation and comfort with ambiguity and indirect data signals • Proactive approach to identifying emerging risks and opportunities • Clear, precise communication skills for technical and non-technical audiences • Strong cross-functional influence with Product and Engineering partners without direct authority • Proficiency in SQL required • Python preferred • Ability to work in a fast-paced, global environment with distributed teams across multiple time zones