Understand portfolio health across the entire customer lifecycle and recommend strategy changes based on it.
Build and carry out credit strategies within Tala's decisioning frameworks, covering approval rates, limits, and pricing.
Continuously track portfolio KPIs, spot trends in volume, quality, and customer behavior, and turn them into strategy changes.
Develops existing decisioning frameworks to support evolution of portfolio
Work with Product and Data Science to turn risk priorities into decisioning improvements, from features and model calibration to A/B test design.
Provides concise, well-reasoned portfolio updates to leadership, Finance, and Capital Markets stakeholders
Set the underwriting strategy for partnership pilots and manage ongoing risk for the B2B2C portfolio, including assessing new partner data and building it into credit policy.
Create and maintain partner-specific credit policies that fit Tala's enterprise risk appetite and account for partner data, regulation, and customer profiles.
Assess new partnership opportunities from a risk standpoint, including underwriting feasibility, expected performance, and risk-adjusted economics.
Work with Data Science on pilot data collection, balancing future model and policy needs against cost.
Requirements
Six or more years of unsecured consumer lending experience, with hands-on ownership of credit portfolio performance in a high-volume, data-driven setting.
Proven ability to build and execute credit strategies that balance growth and risk, including approval policy, pricing, limit management, and segmentation.
Partnership or B2B2C lending experience is a strong plus; adapting underwriting to non-standard data is 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 who can turn complex portfolio dynamics into concise recommendations for technical and non-technical audiences.
Strong cross-functional skills and a 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
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Denidel's HR team submits and tracks the application on your behalf.
