Senior Credit Analyst at Tala (Remote)

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About Tala

Tala is a global technology company building the world’s most accessible financial services. With more than $350 million raised from visionary investors, we are serving millions of customers around the world who have been overlooked by traditional financial institutions – and our plan is to serve millions more, and have been named by the Fortune Impact 20 list, CNBC’s Disruptor 50, and Forbes’ Fintech 50 list for four years running. We are expanding across product offerings, countries and crypto and are looking for people who have an entrepreneurial spirit and are passionate about the mission.

By creating a unique platform that enables lending and other financial services around the globe, people in emerging markets are able to start and expand small businesses, manage day-to-day needs, and pursue their financial goals with confidence. Currently, more than 6 million people across Kenya, the Philippines, Mexico, and India have used Tala products. Due to our global team, we have a remote-first approach, and also have offices in Santa Monica, CA (HQ); Nairobi, Kenya; Mexico City, Mexico; Manila, the Philippines; and Bangalore, India. 

Most Talazens join us because they connect with our mission of enabling financial agency for underbanked people around the world. If you are energized by the impact you can make at Tala, we’d love to hear from you!

As a key member of Tala’s global Credit team, you will assess and manage the performance of a portfolio of customers with both deposit and lending products and develop subject matter expertise in Tala’s customer segments and products. You will leverage our large amount of data to analyze, test, and make data-driven recommendations to improve our product performance, partnering closely with our product, data science, and in-market teams. The results of the initiatives you lead will increase financial access for our customers and drive positive business outcomes.

What you'll do

  • Effectively assess the interaction between deposit and lending products in each of the markets and make recommendations to adjust the credit and/or deposit strategy when necessary
  • Identify, test, and implement strategic changes in conjunction with the lending and account product teams
  • Contribute to the development of new products and features for various customer segments
  • Partner with other functional members of the country team to drive positive customer and business outcomes

Skills and Qualifications

  • Previous experience working with either lending or other financial services analytics
  • Ability to set and manage own agenda based on business priorities and relative impact
  • 2-4 years experience in analytical roles, with a track record of success in FinTech, consumer lending, consumer banking, or related industries
  • Proven strong problem solving and analytical skills
  • Proficiency in SQL and either Python or R
  • Ability to pull, process, and interpret vast amounts of data in a self-sufficient manner
  • Ability to use a combination of data, assumptions, and intuition to formulate recommendations
  • Ability to navigate the product life cycle - taking an initiative from ideation to implementation
  • A curiosity that will enable you to quickly digest the Tala business model
  • Comfort working and effectively communicating in a fast-paced, dynamic environment with distributed teams
  • Bias for rapid value creation through testing

Our vision is to build a new financial ecosystem where everyone can participate on equal footing and access the tools they need to be financially healthy. We strongly believe that inclusion fosters innovation and we’re proud to have a diverse global team that represents a multitude of backgrounds, cultures, and experience. We hire talented people regardless of race, religion, color, national origin, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

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Technology we use

  • Engineering
  • Product
    • GolangLanguages
    • JavaLanguages
    • JavascriptLanguages
    • KotlinLanguages
    • PHPLanguages
    • PythonLanguages
    • ScalaLanguages
    • jQueryLibraries
    • jQuery UILibraries
    • ParseLibraries
    • ReactLibraries
    • Ember.jsFrameworks
    • Node.jsFrameworks
    • PlayFrameworks
    • SpringFrameworks
    • CassandraDatabases
    • MariaDBDatabases
    • MySQLDatabases
    • PostgreSQLDatabases
    • RedisDatabases
    • SnowflakeDatabases
    • DynamoDBDatabases
    • S3Databases
    • Google AnalyticsAnalytics
    • AmplitudeAnalytics
    • LookerAnalytics
    • IllustratorDesign
    • InVisionDesign
    • PhotoshopDesign
    • SketchDesign
    • AsanaManagement
    • ConfluenceManagement
    • JIRAManagement
    • SmartsheetManagement

An Insider's view of Tala

How does your team reward individual success?

Every employee at Tala is responsible for delivering outcomes that improve the financial wellness of our customers and strengthen our business. Some ways we cultivate, recognize, and reward individual success are: Annual 360 reviews, Growth rubrics, Bi-annual promotion cycles, a virtual "Hall of Fame" to recognize fellow Talazens and Global Awards

Punam Brahmbhatt

SVP, People & Programs

What's the biggest problem your team is solving?

Financial Inclusion. We're building products that will allow anyone who has been underestimated by the financial system to gain a baseline level of access to credit and other core financial services with Tala.

Jori Pearsall

Chief Product Officer

What makes someone successful on your team?

The table stakes are strong technical skills that they have applied in an industry setting. But, in addition, folks who are seeking excellence, passionate about business impact, and innately curious.

Kelly Uphoff

Chief Technology Officer

What is your vision for the company?

Traditional finance leaves more than 2 billion people behind. Tala is building the first financial services platform where anyone can be a customer. We want everyone who comes through our door to be able to access the right set of financial tools for their needs, no matter where they're starting from.

Shivani Siroya

Founder & CEO

How would you describe the company’s work-life balance?

Our employee’s mental and physical well-being is of the utmost importance to us. As we are a global company and work across different time zones, our employees have the flexibility of managing their own calendars, their bandwidth and manager's expectations. We also have perks like unlimited PTO, global “sloth days,” Birthday off, Life event days.

Lisa Fernandez

VP, People

What are Tala Perks + Benefits

Tala Benefits Overview

Remote first: We have adopted a Remote first policy! So you can be based anywhere in the world and work for Tala

Unlimited PTO: Yes you read that right! We recognize hard work and fully encourage our employees to take rest by taking Paid Time Off

Birthday holiday: Tala wants to celebrate your Birthday! You will get a day in the month of your birth off as a Tala sponsored paid day

Global Sloth Days: for mental health and wellness of our employees, we introduced Global Sloth Days last year. It’s a day off across all offices to destress and do things you love, outside of work.

Life Event Days (up to 5 days per calendar year): Sometimes more unexpected things in life happen that require more of your attention. Life Event Days can be used for things like bonding with a newly adopted pet, studying for a big exam, moving, or anything else life throws at you.

Working with people from diverse backgrounds: We have offices in the United States, Kenya, Mexico, the Philippines and India. Get a chance to collaborate with people across these countries – virtually, for now, and in person when it’s safe to do so in the future.

Medical Coverage & Wellness: Tala offers full coverage for health, dental and vision insurance for employees and their families. We also celebrate wellness days, with opportunities for free massages in the office, and healthy snacks and treats always available onsite. Join one of our intramural sports teams or the running club, and make space for self-care

Culture
Volunteer in local community
Eat lunch together
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Diversity
Documented equal pay policy
Highly diverse management team
Diversity manifesto
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Family Medical Leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Volunteer Time
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Happy Hours
Parking
Pet Friendly
Recreational Clubs
Relocation Assistance
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Promote from within

Additional Perks + Benefits

Professional development opportunities – from conferences and online classes to weekly lunch & learns. Company-sponsored health and wellness activities, including local sports leagues and at-work massages! Gender-neutral paid parental leave for 12 weeks.

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