Director - Credit Strategy

About Tala

Tala is on a mission to unleash the economic power of the Global Majority – the 4 billion people overlooked by existing financial systems. With nearly half a billion dollars raised from equity and debt, we are serving millions of customers across three continents. Tala has been named by the Fortune Impact 20 list, CNBC’s Disruptor 50 five years in a row, CNBC’s World's Top Fintech Company, Forbes’ Fintech 50 list for eight years running, and Chief's The New Era of Leadership Award. We are expanding across product offerings, countries and crypto and are looking for people who have an entrepreneurial spirit and are passionate about our mission.

By creating a unique platform that enables lending and other financial services around the globe, people in emerging markets are able to start and expand small businesses, manage day-to-day needs, and pursue their financial goals with confidence. Currently, over nine million people across Kenya, the Philippines, Mexico, and India have used Tala products. Due to our global team, we have a remote-first approach, and also have offices 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!

About the Role

We are seeking an experienced and strategic Director of Credit Strategy to lead our Philippines Credit team and strategy.  The ideal candidate will have a deep understanding of the consumer lending landscape in the Philippines and possess strong analytical, leadership, and strategic thinking skills and will leverage those skills to define our credit roadmap that leads to portfolio growth in our Philippines business.

• Oversee the design, development, and execution of credit strategy for Tala PH’s consumer lending products, aligning with our business and strategic goals

• Ensure Tala's credit policies adhere to regulatory requirements

• Monitor and adjust credit policies and strategies based on market trends and performance data

• Oversee the assessment and management of credit portfolio performance, monitoring and adjusting credit policies based on performance and market trends, while ensuring sound credit risk practices

• Identify opportunities for growth via product and credit levers and collaborate with Philippines country leadership to define and execute against a multi-year roadmap

• Lead, mentor, and develop a high-performing team of credit strategy analysts

• Lead and contribute to  strategies that enable us to access new customer segments and offer new lending products and define the enabling underwriting frameworks

• Synthesize PH’s portfolio performance to both Tala PH and Tala Global leadership teams

• Foster a culture of continuous improvement, innovation, and excellence both within the PH team and within our Global credit team

• Partner with other functional members of the country team to drive positive customer and business outcomes

• 7+ years experience in financial services (ideally consumer lending), with at least 3 years experience of managing a team
• Proven track record of developing and implementing successful credit strategies.
• Strong analytical and quantitative skills with experience in technical data analysis and modeling with large data-sets leading to portfolio performance insights
• Proficiency in SQL (required) and Python (preferred) 
• Excellent leadership and team management abilities
• Strategic thinker with the ability to translate complex data into actionable insights
• In-depth knowledge of the consumer lending customers and competitive market in the Philippines
• Comfort working and effectively communicating in a fast-paced, dynamic environment with a global team
• Experience defining and driving a roadmap based on company performance goals
• A curiosity that will enable you to quickly digest the Tala loan product business model and finding opportunities to create value

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.