Senior Credit Risk Manager

5 days, 7 hours ago
Full-time
Senior
Finance and Accounting
Tala

Tala

Tala offers a mobile application that integrates digital and cash financial services, enabling users to manage their credit, savings, and overall financial lives seamlessly in one platform.

Banks
251-1K
Founded 2011
$350M raised

Description

  • Own portfolio health analysis across the full customer lifecycle and make risk strategy recommendations.
  • Develop and execute credit strategies within decisioning frameworks, including approval rates, limits, and pricing.
  • Monitor portfolio KPIs, identify emerging trends, and translate findings into strategy changes.
  • Improve and evolve existing decisioning frameworks to support portfolio growth and performance.
  • Partner with Product and Data Science to turn risk priorities into decisioning improvements, model calibration, feature development, and A/B testing.
  • Provide concise portfolio updates and recommendations to leadership, Finance, and Capital Markets stakeholders.
  • Lead underwriting strategy for partnership pilots and ongoing risk management for the B2B2C portfolio.
  • Evaluate partner data quality and incorporate new partner data into credit policy.
  • Establish and maintain credit policies tailored to partnership structures and Tala’s risk appetite.
  • Assess new partnership opportunities for underwriting feasibility, expected performance, and risk-adjusted economics.

Requirements

  • 6+ years of experience in unsecured consumer lending with ownership of credit portfolio performance in a high-volume, data-driven environment.
  • Experience developing and executing credit strategies across approval policy, pricing, limit management, and portfolio segmentation.
  • Experience with partnership or B2B2C lending is a strong plus.
  • Ability to adapt underwriting frameworks to non-standard data environments.
  • Strong analytical foundation and comfort using indirect data signals when direct data is unavailable.
  • Proactive ability to identify and surface emerging risks and opportunities early.
  • Clear communication skills with the ability to synthesize complex portfolio dynamics for technical and non-technical audiences.
  • Strong cross-functional influence skills with product and engineering partners without direct authority.
  • Proficiency in SQL; Python is preferred.
  • Bachelor’s degree in finance, engineering, statistics, or a related discipline.
  • Comfort working in a fast-paced, global environment with distributed teams across multiple time zones.

Benefits

  • Remote-first work environment with office hubs in Santa Monica, Nairobi, Mexico City, Manila, and Bangalore.
  • Opportunity to work on mission-driven financial inclusion for the global majority.
  • Exposure to a global, distributed team and cross-functional collaboration across product, data science, finance, and capital markets.
  • Backed by significant funding and a large-scale lending platform with broad international impact.

Interested in this position?

Apply directly on the company website

Apply Now

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