Senior Manager, Expansion Risk

This is a fully remote position, open to applicants in India.

📋 Description

• Take charge of Tala's risk function in Expansion Markets, focusing on growth D2C markets and Partnership (B2B2C) underwriting.

• Report directly to the Director of Risk, serving as both the analytical and strategic leader for the portfolios.

• Oversee risk performance and portfolio health throughout the entire customer lifecycle.

• Create and implement credit strategies, which include approval-rate calibration, limit setting, pricing, and portfolio segmentation.

• Regularly track portfolio KPIs, spot emerging trends, and translate insights into strategic adjustments.

• Formulate decision-making frameworks to facilitate portfolio evolution.

• Collaborate with Product and Data Science teams on feature development, model calibration, decision-making enhancements, and A/B test designs.

• Deliver succinct portfolio updates to leadership, Finance, and Capital Markets stakeholders.

• Direct underwriting strategies and ongoing risk management for partnership pilots and Tala's B2B2C portfolio.

• Assess partner data quality and integrate relevant data into credit policy.

• Develop credit policies that are customized to partnership frameworks and align with enterprise risk appetite.

• Analyze partnership opportunities for underwriting viability, anticipated performance, and risk-adjusted economics.

• Collaborate with Data Science on strategies for pilot data collection.

⛳️ Requirements

• A minimum of 6 years of experience in unsecured consumer lending, demonstrating hands-on ownership of credit portfolio performance in a high-volume, data-centric environment.

• Proven ability to devise and implement credit strategies that balance growth and risk, including crafting approval policies, pricing, limit management, and portfolio segmentation.

• Experience with partnership or B2B2C lending is highly desirable; adaptability in underwriting frameworks within non-standard data environments is essential.

• A strong analytical background with a comfort level in dealing with ambiguity and indirect data signals.

• A proactive mindset for identifying emerging risks and opportunities.

• Exceptional communication skills, capable of conveying complex information to both technical and non-technical audiences.

• Strong cross-functional influence with Product and Engineering collaborators, even without direct authority.

• Proficiency in SQL is mandatory.

• Experience with Python is preferred.

• Capacity to thrive in a fast-paced, global setting with distributed teams across various time zones.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Flexible work hours and remote work options.

• Comprehensive health benefits and wellness programs.

• Opportunities for professional development and career advancement.

• Collaborative and inclusive work environment.