Tala is looking for top-tier talent to grow our Credit and Risk Department. The Senior Credit & Risk Analyst role is perfect for somebody who wants to combine analytical skills with high business impact. You will report to the Credit & Risk Analytics Manager, and also have the opportunity to work collaboratively with professionals across the company to make decisions that directly impact our customers’ lives. The results of your work can be very fulfilling and provide the learning insight that is necessary to continuously improve and develop. Tala also offers a uniquely mission-driven value proposition with a culture of camaraderie, energy, and high performance.

Responsibilities and Expectations:

• Credit Product: Optimize credit product terms and credit strategy to improve the customer fit and profitability of our credit product offerings
• Credit Risk Analysis: Develop improvements in credit strategy by relating historical patterns to future consumer credit behavior
• Test-and-Learn: Validate credit hypotheses in a test-and-learn environment using rigorous methodologies, monitoring, and analysis
• Financial modeling: Build financial and NPV models for different customer segments to utilize in credit decisioning and portfolio monitoring
• Accountability & Execution: Execute on credit product strategy; Implement multiple initiatives or deployments concurrently; “Devil is in the details” attitude toward execution
• Analytical Powerhouse: Proven track record of decision making and problem solving based on analytics; strong quantitative orientation complemented by conceptual thinking and customer-orientation
• Cross-functionality: Consider problems from all angles, including those outside your immediate expertise by bringing in subject matter experts as necessary
• Executive Communication Skills: Impeccable written and oral communication skills, and the ability to make data-driven recommendations to management team
• Results-Oriented: Intensely focus on achieving short term and long term goals; able to attain measurable results in an uncertain and fluid environment

Required Qualifications:

• Bachelor’s Degree in Quantitative field such as Math/Statistics, Finance, Engineering, or Economics
• 1-3 years unsecured consumer/small business loan or credit line management analytics, particularly within deep subprime segments
• Strong analytical and technical skills (SQL, Excel), with experience working with very large datasets
• Some experience with big data platforms or programming (Python, Machine Learning, Hadoop, R, SAS)
• Strong verbal written and communication skills, strong attention to detail and organizational skills
• Ability to work autonomously under tight timelines
• Ability to work in a dynamic environment with the ability to adapt to change and re-prioritize

Preferred Qualifications:

• Living or working experience in emerging markets (specifically East Africa, SE Asia/Philippines, Latin America)
• Experience with Android app technology or telecom

We strongly believe that inclusion fosters innovation and we’re proud to have a diverse team with a wide variety of backgrounds and experiences. We focus on hiring talented people regardless of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About Tala

Tala is a mobile technology and data science company that is changing the way credit scoring and financial services work around the world. Tala’s smartphone app instantly evaluates customers for credit using only the data on their devices and delivers customized loans in minutes.

Tala, formerly known as InVenture, is backed by IVP, Ribbit Capital, Lowercase Capital, Data Collective, Collaborative Fund and other leading venture and impact investors. In 2016, Fast Company ranked Tala, formerly known as InVenture, as one of its top 10 companies in Money, and Forbes named Tala as one of the top 50 FinTech companies in the world. Tala is headquartered in Santa Monica with additional offices in Nairobi and Manila.