tala - Senior Credit Risk Manager

• 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, and 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 and conviction must be built from first principles, lending intuition, and structured judgment rather than established baselines. • 6+ years of experience in unsecured consumer lending, with hands-on ownership of credit portfolio performance in a high-volume, data-driven environment • Demonstrated ability to develop and execute credit strategies that balance growth and risk - including experience with approval policy, pricing, limit management, and portfolio segmentation • Experience with partnership or B2B2C lending a strong plus; comfort adapting underwriting frameworks to non-standard data environments required • Strong analytical foundation; comfort with ambiguity and indirect data signals when direct data is unavailable • Proactive and inquisitive approach to identifying and surfacing emerging risks and opportunities before they become problems • Clear, precise communicator - able to synthesize complex portfolio dynamics into crisp recommendations for both technical and non-technical audiences • Strong cross-functional instincts; track record of influencing product and engineering partners on credit priorities without direct authority • 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 with distributed teams across multiple time zones • Our vision is to build a new financial ecosystem where everyone can participate on equal footing and access the tools they need to be financially healthy. We strongly believe that inclusion fosters innovation and we’re proud to have a diverse global team that represents a multitude of backgrounds, cultures, and experience. We hire talented people regardless of race, religion, color, national origin, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.