--- title: 'Senior Credit Risk Manager at Tala' canonical: 'https://feeny.ai/job/senior-credit-risk-manager-tala-philippines-ja7dk2574jtm' type: 'job' last_seen: '2026-10-17' --- # Senior Credit Risk Manager at Tala - **Company:** Tala - **Location:** Philippines - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-10-09 - **Last confirmed live:** 2026-10-17 - **Apply:** https://jobs.lever.co/tala/83a306f8-674f-4818-b181-2b880d07f23b ## Job description ## About Tala Tala is the AI-native credit infrastructure that connects global capital to the global majority.  We combine proprietary risk intelligence with an expanding network of capital and distribution partners to power credit access at scale. To date, Tala has distributed more than $9 billion in capital to more than 14 million customers across Africa, Latin America, and Asia, building the definitive contextual dataset on thin-file borrowers in emerging markets. Tala is now converting that foundation into shared infrastructure that partners, capital providers, and ecosystems can build on. The company has been named to the Fortune Impact 20 list, CNBC’s World’s Top Fintech Companies twice, CNBC Disruptor 50 for five years, and Forbes’ Fintech 50 list for ten years running. Given the global nature of our team, we operate on a remote-first approach with office hubs in Santa Monica, CA (HQ); Nairobi, Kenya; Mexico City, Mexico; Manila, the Philippines; and Bangalore, India. Most Talazens join us because they connect with our mission. If you are energized by the impact you can make at Tala, we’d love to hear from you! ## 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 - from feature development to model calibration to A/B test design - 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 including evaluating net new partner data, assessing its quality, and incorporating into credit policy - Establishes and maintains credit policies tailored to partnership structures, ensuring alignment with Tala's enterprise risk appetite while accounting for partner-specific dynamics (e.g., data availability, regulatory environment, customer profile) - Evaluates new partnership opportunities from a risk perspective, providing structured assessments of underwriting feasibility, expected performance, and risk-adjusted economics - Partners with Data Science on data collection strategies for pilots - balancing what's needed to support future model development and policy design against prudent cost exposure ## What You'll Need - 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. ## About Tala ## Company Overview - **One-liner**: Tala is a digital financial services company that provides instant credit, payments, savings, and transfer services to thin-file borrowers in emerging markets, using proprietary AI-native risk intelligence. - **Entity Type**: Private (Funding Stage: Late Stage / Series Unknown) - **Headquarters**: Santa Monica, California, United States - **Founded**: 2011 - **Founders**: Shivani Siroya ## Core Business - **Primary Industry**: Financial Services / Fintech - **Target Customers**: B2C (individuals and micro-entrepreneurs in emerging markets, primarily women), B2B (partners and capital providers licensing Tala’s credit infrastructure) - **Mission/Purpose**: To build a more just and equitable future by unlocking global economic progress for the "Global Majority"—the billions of people underserved by traditional financial systems. ## Products & Services - **Tala Money App**: A mobile-first platform offering instant access to credit (loans typically $10–$500), payments, savings, and transfer services. Available in Kenya, the Philippines, Mexico, and India. - **Tala Credit Infrastructure (Platform)**: An AI-native, API-driven underwriting engine built on a decade of behavioral lending data. Tala is opening this infrastructure to partners, platforms, and capital providers to power credit access at scale beyond its own app. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed (Private company). - **Key Metric**: Total Funding of **$540.6M** raised across 12 rounds. - **Annual Revenue**: **$110M** (latest estimate). - **Notable Investors/Partners**: Upstart, Stellar Development Foundation, RPS Ventures, J. Safra Group, IVP, Revolution Growth, Lowercase Capital, and PayPal Ventures. - **Growth Signals**: - Deployed over **$8 billion** in capital to more than **14 million customers** to date. - Workforce of **465 employees** (+11.1% YoY), with offices in Santa Monica, Nairobi, Manila, Mexico City, and Bangalore. - Named to **Fortune’s Impact 20**, **CNBC’s Disruptor 50** (five consecutive years), and **Forbes’ Fintech 50** (nine consecutive years). - Transitioning from a single-app model to an open infrastructure platform for partners, signaling a major strategic pivot and expansion opportunity. ## Competitive Advantages - **Proprietary AI-Native Underwriting**: Built from the ground up for thin-file borrowers in informal economies, not retrofitted from legacy credit models. This gives Tala a unique, decade-deep behavioral dataset. - **First-Mover & Scale**: A decade of lending data across three continents (Africa, Latin America, Asia) creates a significant data moat that is hard for competitors to replicate. - **Strategic Pivot to Infrastructure**: By opening its credit intelligence to partners and capital providers, Tala moves from a customer-facing app to a shared infrastructure layer, vastly expanding its addressable market and defensibility. ## Strategic Focus - **Platform Expansion**: Converting its proprietary data, models, and customer relationships into shared infrastructure for third-party partners and capital providers. - **Market Penetration**: Deepening reach in existing markets (Kenya, Philippines, Mexico, India) and expanding the product suite beyond credit into payments, savings, and transfers. - **Regulatory & Partnership Growth**: Securing licenses (e.g., licensed digital credit provider by the Central Bank of Kenya) and forming partnerships (e.g., with Mexico’s CONDUSEF, Philippines’ Bayad Center) to build trust and scale. ## Why Work Here - **Mission-Driven**: The company is explicitly focused on financial inclusion for the "Global Majority," offering a strong sense of purpose. - **Remote-First & Flexible**: Tala is remote-first with flexible working hours and unlimited PTO. They offer "Sloth Days" and sabbaticals are a norm. Offices exist for in-person collaboration in Nairobi, Mexico City, Manila, Santa Monica, and Bangalore. - **Invested in Growth**: The company emphasizes continued learning and development, and provides space and support for employees to take their skills to the next level. - **Global Team**: A diverse, global workforce (14 countries) that reflects the diversity of its customers. - **Strong Culture Ratings**: Employer rating of **4.0/5.0** on LinkedIn (222 reviews), with high marks for Work-Life Balance (4.2) and Compensation (4.1). - **Engineering Culture**: Technical staff makes up ~25% of the workforce (118 out of 465). The company is building a cutting-edge AI-native credit infrastructure, offering challenging engineering problems. ## Sources 1. [tala.co](https://tala.co/about/) 2. [tala.co](https://tala.co/careers/) 3. [linkedin.com](https://linkedin.com/company/talamobile) 4. [en.wikipedia.org](https://en.wikipedia.org/wiki/Tala_Finance) 5. 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