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Tala · 2 weeks ago

Director of Portfolio Risk & Strategy

United States

Full-time

Remote

Senior Level, Lead/Staff

$176K/yr - $220K/yr

10+ years exp

Tala is a global financial infrastructure company focused on unleashing the economic power of the global majority. They are seeking a Director of Portfolio Risk & Strategy to lead enterprise-level portfolio diagnostics and frameworks for sustainable growth across international markets through effective risk management and product roadmap influence.

FinanceFinancial ServicesFinTechMobileMobile PaymentsPayments

Responsibilities

Defines and maintains Board and externally-read risk appetite frameworks that translate growth goals into clear quantifiable limits for the entire lending business for Tala’s growing number of international markets

Defines, evolves, and implements within Product squads the overarching credit policies that govern all of Tala’s lending activities

Innovates on existing policies and valuation frameworks as needed driven by evolution in Tala’s products and decisioning capabilities

Leads Credit Risk Committee meetings, owning the agenda, content, and executive level synthesis, ensuring strategic and risk appetite alignment and data-driven discussion amongst senior leaders

Designs and implements continuous credit performance monitoring that assesses loan quality, customer behavior, and segment-level health

Anticipates macroeconomic and competitive trends, providing clear syntheses on risks to the portfolio and recommended strategy changes for each international markets

Owns risk diagnostic assessments of our lending strategies and decisioning to surface key areas of strengths and opportunities for improvement for placement on product roadmap

Identifies growth opportunities via segments of both new or existing customers by providing data-informed, risk-adjusted insights

Partner with Product and Data Science to enable efficient, growth-oriented decisioning innovation while ensuring disciplined adherence to company-level risk appetite and policies

Provides concise, executive-level syntheses on risk performance and expectations to the CEO, Board, Finance and Capital Markets team, ensuring we have external-ready portfolio narratives and portfolio governance structures

Leads Credit Risk Committee meetings, owning the agenda, content, and executive-level synthesis, ensuring strategic and risk appetite alignment and data-driven discussion amongst senior leaders

Qualification

Consumer lending experienceAnalytical frameworksRisk managementSQLPythonLeadership styleCuriosityCommunicationProblem-solving skills

Required

10+ years experience in unsecured consumer lending with a nuanced understanding of how credit dynamics interact across the customer lifecycle in a high-volume, international context

Proven track record of developing and implementing successful decisioning, analytical and valuation frameworks in a systemic and scalable manner

Experience in creating sound governance structures and rhythms and influencing partner teams on their criticality, obtaining organizational buy-in

Strong analytical and problem-solving skills with ability to apply advanced analytical techniques (e.g. multivariate linear regression, vintage analysis, residual analysis, lifecycle modeling) across diverse datasets to diagnose portfolio performance and actionable insights

Proactive and inquisitive approach to identifying and surfacing emerging risks and opportunities

Excellent communication and interpersonal skills, with the ability to influence and build consensus across different levels and functions

A leadership style rooted in integrity, truth-seeking, and operational excellence

A curiosity that will enable you to digest the Tala's customer, business, and operating model quickly

Proficiency in SQL and Python

Bachelor's degree in a finance, engineering, statistics, or other related discipline

Comfort working and effectively communicating in a fast-paced, dynamic environment with a global team