Tala is hiring a
Director - Credit Strategy

Summary

Join Tala, a mission-driven fintech company serving millions across three continents, as the Director of Credit Strategy to lead our Philippines Credit team and strategy. You will oversee the design, development, and execution of credit strategy for Tala PH’s consumer lending products, aligning with business goals.

Requirements

• 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

Responsibilities

• 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