VP Product – Lending & Retention

Job Description: • 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. • 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. • Lead, mentor, and grow a world-class product team focused on lending, and retention. • Foster a culture of impact, innovation, and accountability. • Identify optimization opportunities to enhance our repayments rates ratio • Leverage 3rd party best practices and partners to significantly drive recoveries financially • 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, customer engagement, and unit economics. • Leverage data, experimentation, and customer insights to continuously optimize. • 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. • Stay ahead of fintech, credit, and retention best practices globally. • Identify opportunities to introduce new credit features, loyalty programs, or adjacent financial products.

Requirements: • 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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