Director of Portfolio Risk – Strategy

Job not on LinkedIn

🕒 October 29, 2025

🇺🇸 United States – Remote

💵 $176k - $220k / year

⏰ Full Time

🔴 Lead

🎲 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

• Defines and maintains Board and externally-read risk appetite frameworks that translate growth goals into clear quantifiable limits for the entire lending business for Tala’s growing number of international markets • Defines, evolves, and implements within Product squads the overarching credit policies that govern all of Tala’s lending activities • Innovates on existing policies and valuation frameworks as needed driven by evolution in Tala’s products and decisioning capabilities • Leads Credit Risk Committee meetings, owning the agenda, content, and executive level synthesis, ensuring strategic and risk appetite alignment and data-driven discussion amongst senior leaders • Designs and implements continuous credit performance monitoring that assesses loan quality, customer behavior, and segment-level health • Anticipates macroeconomic and competitive trends, providing clear syntheses on risks to the portfolio and recommended strategy changes for each international markets • Owns risk diagnostic assessments of our lending strategies and decisioning to surface key areas of strengths and opportunities for improvement for placement on product roadmap • Identifies growth opportunities via segments of both new or existing customers by providing data-informed, risk-adjusted insights. • Partners with Product and Data Science to enable efficient, growth-oriented decisioning innovation while ensuring disciplined adherence to company-level risk appetite and policies. • Provides concise, executive-level syntheses on risk performance and expectations to the CEO, Board, Finance and Capital Markets team, ensuring we have external-ready portfolio narratives and portfolio governance structures • Leads Credit Risk Committee meetings, owning the agenda, content, and executive-level synthesis, ensuring strategic and risk appetite alignment and data-driven discussion amongst senior leaders.

🎯 Requirements

• 10+ years experience in unsecured consumer lending with a nuanced understanding of how credit dynamics interact across the customer lifecycle in a high-volume, international context. Possess familiarity of foundational consumer behavior and macroeconomic principles • Proven track record of developing and implementing successful decisioning, analytical and valuation frameworks in a systemic and scalable manner • Experience in creating sound governance structures and rhythms and influencing partner teams on their criticality, obtaining organizational buy-in • Strong analytical and problem-solving skills with ability to apply advanced analytical techniques (e.g. multivariate linear regression, vintage analysis, residual analysis, lifecycle modeling) across diverse datasets to diagnose portfolio performance and actionable insights. Seeks precision of data to support claims, yet is comfortable exercising judgment where data is lacking • Proactive and inquisitive approach to identifying and surfacing emerging risks and opportunities • Excellent communication and interpersonal skills, with the ability to influence and build consensus across different levels and functions • A leadership style rooted in integrity, truth-seeking, and operational excellence • A curiosity that will enable you to digest the Tala’s customer, business, and operating model quickly • Proficiency in SQL and Python • Bachelor’s degree in a finance, engineering, statistics, or other related discipline • Comfort working and effectively communicating in a fast-paced, dynamic environment with a global team.