[Hiring] Senior Credit Risk Manager @Tala

Role Description

We are seeking an experienced, impact-oriented credit leader to own Tala's Expansion Markets risk function, covering our growth D2C markets and our Partnership (B2B2C) underwriting. The candidate will report to the Director of Risk and will be the key analytical and strategic owner for these portfolios, responsible for:

• Risk performance monitoring
• Strategy development and implementation
• Cross-functional execution with Product and Data Science squads

A defining element of this role is the ability to translate both current portfolio performance and long-term forward-looking expectations into risk strategy, including in markets where data histories are still maturing.

What You'll Do

• Expansion Portfolio Ownership & Credit Strategy
  • 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
  • Provides concise, well-reasoned portfolio updates to leadership, Finance, and Capital Markets stakeholders
• Partnership Underwriting
  • Leads underwriting strategy for partnership pilots and ongoing risk management for Tala's B2B2C portfolio
  • Establishes and maintains credit policies tailored to partnership structures
  • Evaluates new partnership opportunities from a risk perspective
  • Partners with Data Science on data collection strategies for pilots

Qualifications

• 6+ years of experience in unsecured consumer lending
• Demonstrated ability to develop and execute credit strategies that balance growth and risk
• Experience with partnership or B2B2C lending a strong plus
• Strong analytical foundation; comfort with ambiguity and indirect data signals
• Proactive and inquisitive approach to identifying and surfacing emerging risks and opportunities
• Clear, precise communicator
• Strong cross-functional instincts
• 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

Benefits

• Remote-first approach with office hubs in multiple locations
• Inclusive and diverse work environment