[Remote] VP Product - Lending & Retention at Tala

United States

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial Services, LendingIndustries

Requirements

Strategic leadership experience in defining and driving lending product vision and roadmaps
Expertise in balancing innovation, portfolio health, risk management, and regulatory compliance
Experience partnering with Finance & Capital Markets for sustainable funding and investor narratives
Ability to anticipate macroeconomic and regulatory shifts impacting capital and credit
Proven track record in leading product strategy across the full customer lifecycle (acquisition, underwriting, disbursement, repayment, re-engagement)
Skills in designing retention initiatives to drive repeat usage, loyalty, and lifetime value
Experience building, mentoring, and leading high-performing product teams
Knowledge of best-in-class repayments and recoveries optimization, including leveraging 3rd party partners
Capability to balance global product strategy with local adaptations for customer, cultural, and regulatory contexts
Proficiency in establishing KPIs for lending performance, portfolio quality, and customer metrics
Entrepreneurial spirit and passion for financial inclusion in emerging markets
Experience collaborating cross-functionally with engineering, data science, credit, operations, marketing, GMs, and market teams

Responsibilities

Develop and communicate a bold product roadmap for lending and retention aligned with Tala’s mission and growth objectives
Balance innovation with portfolio health, risk, and regulatory compliance
Partner closely with Finance & Capital Markets to ensure sustainable and diversified funding
Translate portfolio and product performance into narratives that resonate with investors and regulators
Anticipate and influence macroeconomic and regulatory shifts that impact capital and credit supply
Lead product strategy across the entire lending journey and customer conversion funnel – acquisition, underwriting, disbursement, repayment, and re-engagement
Design retention initiatives that drive repeat usage, loyalty, and lifetime value
Build, mentor, and grow a world-class product team focused on lending and retention
Foster a culture of impact, innovation, and accountability
Lead best-in-class repayments and recoveries plans, identifying optimization opportunities and leveraging 3rd party best practices and partners
Build a product strategy that drives global lending performance while tailoring execution for local customer, cultural, and regulatory contexts
Collaborate closely with GMs and market teams to ensure product decisions resonate locally while supporting the enterprise portfolio
Establish KPIs for lending product performance, including portfolio quality and customer metrics
Operationalize and expand capital market initiatives

Skills

Product Strategy

Lending

Customer Retention

Risk Management

Portfolio Management

Capital Markets

Customer Experience

Profitability Optimization

Tala

Digital wallet and lending platform for underserved

About Tala

Tala operates as a digital wallet and lending platform that focuses on providing financial services to individuals who are often overlooked by traditional banks. The platform uses artificial intelligence and machine learning to create a personalized financial experience for its users. Customers can access instant credit, transfer money easily, and pay bills all through a single app. Tala's unique data tools allow it to serve a diverse range of customers, including those without access to conventional banking. The company generates revenue through interest and fees on the credit it offers, as well as transaction fees for money transfers and bill payments. Operating in multiple countries across three continents, Tala adapts its services to different markets while aiming to enhance the financial well-being of its users by providing tailored credit lines and financial advice.

Santa Monica, CaliforniaHeadquarters

2011Year Founded

$341.1MTotal Funding

DEBTCompany Stage

Fintech, AI & Machine LearningIndustries

501-1,000Employees

Benefits

Remote Work Options

Flexible Work Hours

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Risks

Increased competition from Stripe in crypto payments could challenge Tala's market position.

Keytom's launch may attract Tala's crypto-interested customer base, reducing market share.

Apple's NFC chip decision could lead to more competition in the digital wallet space.

Differentiation

Tala uses AI to offer personalized financial experiences to underserved individuals.

The company provides instant credit and expansive bill payment options via a single app.

Tala's proprietary data tools enable services for those without traditional banking access.

Upsides

Integration of stablecoin payments could enhance Tala's transaction speed and cost-effectiveness.

Apple's NFC chip opening may allow Tala to offer more seamless payment options.

Equifax's AI advancements highlight potential for Tala to improve its credit scoring systems.

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