Senior Credit Risk Manager

Tala is an AI-native credit infrastructure company dedicated to providing financial access to the global majority. We are seeking an experienced Senior Credit Risk Manager to lead our Expansion Markets risk function, overseeing growth in D2C markets and B2B2C partnership underwriting.

Key responsibilities

• Own the credit strategy for expansion portfolios, including approval rate calibration, limit setting, and pricing.
• Monitor portfolio KPIs continuously to identify emerging trends and translate findings into actionable strategy changes.
• Partner with Product and Data Science teams to translate risk priorities into decisioning improvements and model calibrations.
• Lead underwriting strategy for partnership pilots, evaluating new data sources and assessing risk-adjusted economics.
• Provide concise, data-driven portfolio updates to leadership, Finance, and Capital Markets stakeholders.

Requirements

• 6+ years of experience in unsecured consumer lending with hands-on ownership of portfolio performance.
• Proven ability to develop credit strategies that balance growth and risk in high-volume environments.
• Strong analytical foundation with the ability to navigate ambiguity and work with indirect data signals.
• Proficiency in SQL is required; Python skills are preferred.
• Excellent communication skills with the ability to influence cross-functional partners effectively.

What we offer

• The opportunity to work in a mission-driven, global, and remote-first environment.
• Exposure to building credit infrastructure for diverse markets across Africa, Latin America, and Asia.
• A collaborative culture that values inclusion, innovation, and diverse perspectives.