About the Role

Opening up financial access to millions who have been locked out of the traditional banking system is no small feat. At Tala, we are using AI-driven credit infrastructure to make underwriting decisions where traditional data simply does not exist. As the Senior Manager of Expansion Risk, you will take the wheel on risk strategy as we push into brand new territories and launch fresh credit products. This role requires an analytical mind capable of seeing the story behind the numbers while balancing healthy growth with prudent risk management. If you love unraveling complex credit puzzles across emerging markets and want to see the direct social impact of your work every single day, this could be your next chapter.

This position is a fully remote, worldwide opportunity, allowing you to collaborate with teammates across various continents and time zones.

Overview

Tala has already delivered over nine billion dollars in capital across Latin America, Africa, and Asia, proving that thin-file borrowers can be served sustainably. As we step into the next phase of our mission, you will design, deploy, and monitor credit risk strategies tailored specifically to new geographical markets and product lines. Working closely with our data science, product, and regional operations teams, you will ensure our expansion efforts are both fast-moving and mathematically sound.

Key Responsibilities

In this role, you will lead the strategic vision and day-to-day execution for risk across new market ventures.

Design and implement end-to-end credit risk policies for greenfield markets and new lending offerings.
Partner with data science teams to build, test, and iterate on alternative data underwriting models.
Monitor early vintage performance, default rates, and unit economics to adjust underwriting rules dynamically.
Establish guardrails and portfolio limits that protect capital while giving room for experimentation.
Work across regulatory, product, and go-to-market teams to guarantee compliance and operational readiness prior to launch.
Present risk performance insights and growth trade-offs to senior leadership on a regular basis.

Requirements

We are searching for a seasoned risk leader who thrives in ambiguity and brings a rigorous analytical mindset.

Substantial experience in credit risk management, lending operations, or quantitative risk analysis within fintech or consumer banking.
Demonstrated success in launching credit products or managing risk portfolios in emerging markets.
Strong grasp of alternative data underwriting, machine learning credit models, and scoring mechanics.
Deep proficiency with SQL, Python, or R along with modern business intelligence platforms.
Excellent communication skills with the ability to explain complex statistical trade-offs to non-technical stakeholders.
A proactive mindset that excels in a fast-paced, distributed work environment.

What You Will Gain

Joining Tala means becoming part of an ambitious global community united by a clear purpose.

The autonomy to build risk strategies from the ground up on modern, AI-powered credit rails.
A remote-first culture that values flexibility, trust, and real work-life balance.
Direct exposure to international fintech ecosystems and cross-cultural leadership.
Competitive compensation and benefits alongside meaningful opportunities for career growth.