VP Product - Lending & Retention

About Tala Tala is AI-native credit infrastructure for the global majority, combining proprietary risk intelligence with an expanding network of capital and distribution partners to power credit access at scale. Backed by more than $500 million in funding, Tala has distributed more than $7 billion in capital to more than 13 million customers across Africa, Latin America, and Asia—building one of the most robust datasets on thin-file borrowers anywhere in the world. Our mission is simple yet bold: to unleash the economic power of the global majority. We are looking for daring, data-driven leaders passionate about building the trust and credit infrastructure for the global majority. 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! The Role 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 at scale.This is a pivotal leadership opportunity to shape how millions of underserved customers access and retain financial services, while positioning Tala for sustainable growth. 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. What You'll Do 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 supporting the enterprise portfolio. Drive Performance & Insights Establish KPIs for lending product performance, including portfolio quality, customer engagement, and unit economics. Leverage data, experimentation, and customer insights to continuously optimize. Cross-Functional Leadership Partner with risk, operations, finance and marketing to ensure lending products deliver strong financial and social outcomes. Collaborate with design and engineering to create seamless, mobile-first experiences. Innovation & Differentiation Stay ahead of fintech, credit, and retention best practices globally. Identify opportunities to introduce new credit features, loyalty programs, or adjacent financial products. What You Need 15+ years of product leadership experience, ideally in fintech, lending, digital banking, or consumer financial services Proven track record of scaling lending or retention products in high-growth environments Strong understanding of credit dynamics, risk management, and unit economics Customer-obsessed with deep empathy for underserved populations and emerging markets Experienced leading global, cross-functional teams across product, engineering, and operations Analytical and data-driven, with expertise in experimentation, A/B testing, and customer insights Strategic thinker who can operate at both vision and execution levels Excellent communicator and influencer across executive teams, investors, and regulators Champion of diversity, inclusion, and building mission-driven cultures

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      "content": "<li><b>Define Product Vision &amp; Strategy</b></li><li>Develop and communicate a bold product roadmap for lending and retention aligned with Tala’s mission and growth objectives.</li><li>Balance innovation with portfolio health, risk, and regulatory compliance.</li><div><br></div><li><b>Capital Markets &amp; Funding Leadership:</b></li><li>Partner closely with Finance &amp; Capital Markets to ensure sustainable and diversified funding&nbsp;</li><li>Translate portfolio and product performance into narratives that resonate with investors and regulators&nbsp;</li><li>Anticipate and influence macroeconomic and regulatory shifts that impact capital and credit supply</li><div><br></div><li><b>Own the Customer Lifecycle</b></li><li>Lead product strategy across the entire lending journey and customer conversion funnel – acquisition, underwriting, disbursement, repayment, and re-engagement.</li><li>Design retention initiatives that drive repeat usage, loyalty, and lifetime value.</li><div><br></div><li><b>Build &amp; Lead Teams</b></li><li>Lead, mentor, and grow a world-class product team focused on lending, and retention.</li><li>Foster a culture of impact, innovation, and accountability.</li><div><br></div><li><b>Lead Best-in-Class Repayments and Recoveries plans</b></li><li>Identify optimization opportunities to enhance our repayments rates ratio</li><li>Leverage 3rd party best practices and partners to significantly drive recoveries financially<b>&nbsp;</b></li><div><br></div><li><b>Global to Local Balance:</b></li><li>Build a product strategy that drives global lending performance while tailoring execution for local customer, cultural, and regulatory contexts</li><li>Collaborate closely with GMs and market teams to ensure product decisions resonate locally while supporting the enterprise portfolio.</li><div><br></div><li><b>Drive Performance &amp; Insights</b></li><li>Establish KPIs for lending product performance, including portfolio quality, customer engagement, and unit economics.</li><li>Leverage data, experimentation, and customer insights to continuously optimize.</li><div><br></div><li><b>Cross-Functional Leadership</b></li><li>Partner with risk, operations, finance and marketing to ensure lending products deliver strong financial and social outcomes.</li><li>Collaborate with design and engineering to create seamless, mobile-first experiences.</li><div><br></div><li><b>Innovation &amp; Differentiation</b></li><li>Stay ahead of fintech, credit, and retention best practices globally.</li><li>Identify opportunities to introduce new credit features, loyalty programs, or adjacent financial products.</li>"
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