Senior Manager Expansion Risk

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
• Comfortable working in a fast-paced, global environment with distributed teams across multiple time zones

Additional information

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.