VP Product - Lending & Retention

About Tala

At Tala, we’re applying advanced technology and human creativity to solve what legacy institutions can’t or won't. We are a global financial infrastructure company on a mission to unleash the economic power of the global majority, recognizing that today’s financial infrastructure doesn’t work for most of the world’s population.

We’re the first and only platform to combine the intelligence of a credit bureau, the payments execution of a fintech, and the relationship expertise of a bank into one vertically integrated solution. Our platform is powered by an expansive moat of proprietary data and AI/ML decisioning technology, enabling us to deliver instant, reliable liquidity personalized to every customer's needs. Through our flagship credit app, we’ve disbursed over $7 billion in credit to more than 12 million customers across Latin America, Southeast Asia, and East Africa.

These customers have leveraged Tala products to start and expand small businesses, manage day-to-day needs, and pursue their financial goals.

Our pioneering work and proven impact have earned us consistent recognition, including being named to:

CNBC’s Disruptor 50 for five years.

CNBC’s World's Top Fintech Companies for two consecutive years.

Forbes’ Fintech 50 list for nine consecutive years.

Visionary investors, persuaded by the economic power of the global majority, have committed half a billion dollars in equity and debt to Tala's success.

Given the global nature of our team, we operate on a remote-first approach with office hubs 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. If you are energized by the impact you can make at Tala, we’d love to hear from you!

We are seeking a strategic VP – Lending & Retention to define and drive the future of Tala’s lending ecosystem. This leader will be responsible for building customer-first lending experiences, maximizing portfolio performance, and deepening long-term customer relationships. The successful candidate will also help operationalize and expand our capital market initiatives. This role sits at the heart of Tala’s growth engine.

You will craft a differentiated lending strategy that balances customer delight, risk management, and profitability. You’ll partner across engineering, data science, credit, operations, and marketing to ensure Tala continuously evolves with customer needs while advancing financial inclusion s is a pivotal leadership opportunity to shape how millions of underserved customers access and retain financial services, while positioning Tala for sustainable growth.

• Define Product Vision & Strategy
• 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.

• Capital Markets & Funding Leadership:
• 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

• Own the Customer Lifecycle
• 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 & Lead Teams
• Lead, 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
• Identify optimization opportunities to enhance our repayments rates ratio
• Leverage 3rd party best practices and partners to significantly drive recoveries financially

• Global to Local Balance:
• 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…