Tala

• Develop test automation suites to expand test coverage to all our microservices and integrate it into regression and release process • Support the team for all releases and communicate issues to product in a timely manner • Deliver tools to help test integration with third-party services (Payment Rails, SMS/Email, KYC (know your customer), Analytics, etc.) • Integrate automated tests execution into the software development process • Collaborate with Squad Lead and other key stakeholders to strategize rollout • Support and collaborate with cross-functional teams (Product, Data, Credit, and Business Development) in identifying automation areas to further increase the quality of our product • Maintain, review, propose and implement improvements to existing frameworks, tools and processes • Continuous Learning of new tools and helping the team in optimizing the test framework consistently.

• Serve as the primary finance partner to the product team, providing financial guidance and support for strategic decision-making. • Partner with product team to create robust business cases for new product initiatives, features, and investments, evaluating potential ROI and financial impact. • Develop and maintain sophisticated financial models to forecast revenue, costs, and profitability, ensuring accuracy and alignment with business objectives. • Partner with Product and Risk leadership to analyze cohort performance, lifetime value (LTV), customer acquisition costs (CAC), and pricing/packaging structures to maximize product gross margins. • Prepare and present clear and concise financial reports and insights to senior management, facilitating effective communication and decision-making. • Create bridges between teams and ensure shared understanding. Provide ongoing updates to the Finance (Local and Global teams) and leadership team

• Driving the design and implementation of defense-in-depth infrastructure and application security solutions for our customer facing SaaS platform in AWS public cloud environments • Driving architecture, implementation, configuration and automation of native and third party cloud security solutions for hardening, detection, prevention, logging and response solutions for security vulnerabilities and threats • Provide thought leadership with a security bent of mind to the organization • Working closely with Product, Engineering and IT in a DevSecOps model on technologies like FWs, ACLs, WAFs, IAM roles and permissions, Vulnerability management and hardening, Threat and Intrusion detection, Kubernetes Container Security solutions, Pen Test and endpoint security • Assisting in incident response and triaging activities as needed for security incidents and events • Using AI in security operations to streamline and optimize the security incident management, resolution.

• Responsible for understanding portfolio health across the full customer lifecycle and making strategy recommendations accordingly • Develops and executes credit strategies within Tala's decisioning frameworks, including approval rate calibration, limit setting, and pricing • Monitors portfolio KPIs continuously, identifies emerging trends (volume, quality, customer behavior), and translates findings into actionable strategy changes • Develops existing decisioning frameworks to support evolution of portfolio • Partners with Product and Data Science squads to translate risk strategy priorities into decisioning improvements - from feature development to model calibration to A/B test design • Provides concise, well-reasoned portfolio updates to leadership, Finance, and Capital Markets stakeholders • Leads underwriting strategy for partnership pilots and ongoing risk management for Tala's B2B2C portfolio including evaluating net new partner data, assessing its quality, and incorporating into credit policy • Establishes and maintains credit policies tailored to partnership structures, ensuring alignment with Tala's enterprise risk appetite while accounting for partner-specific dynamics (e.g., data availability, regulatory environment, customer profile) • Evaluates new partnership opportunities from a risk perspective, providing structured assessments of underwriting feasibility, expected performance, and risk-adjusted economics • Partners with Data Science on data collection strategies for pilots - balancing what's needed to support future model development and policy design against prudent cost exposure

• Design, develop, and maintain scalable test automation frameworks and suites • Partner with engineering, product, and SDE/QA teams to support releases • Build tools and test solutions to validate integrations with third-party services • Integrate automated test execution into the software development lifecycle • Collaborate with cross-functional teams to define quality strategies and rollout plans • Maintain, review, and continuously improve existing test frameworks, tooling, and quality engineering processes • Leverage AI-powered tools and agents to improve test design and engineering productivity.

Title: Performance Insights & Automation Analyst Location: Philippines Type: Full-time Workplace: hybrid Category: Customer Shared Services Job Description: 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! About the Role The Performance Insights & Automation Analyst will transform operational data into strategic assets by architecting automated reporting systems and providing deep-dive analytics. This role serves as the primary engine for high-agility business intelligence, handling ad-hoc and real-time reporting and leveraging AI-driven insights to eliminate manual dependencies and drive high-level intelligence for the Shared Services team. What You'll Do - Reporting Automation & AI Analytics: Architect and maintain automated data pipelines using SQL and BI tools (Looker/Snowflake). Integrate AI analytics for the WFM team, utilizing tools such as Gemini to generate automated reports and synthesized insights. - Ad Hoc & BAU Operational Support: Provide dedicated reporting support for pilots, experiments, dialer adjustments, and new campaigns (outside the scope of Global CCR Analytics) - Deep-Dive Analytics: Conduct weekly and monthly performance "deep dives" to identify trends in recovery rates, connect rates, and agent efficiency, providing actionable insights to leadership. - Performance Forecasting: Support long-range planning by building predictive models that estimate staffing needs based on marketing spend, historical trends, and collection targets. - Efficiency Projects: Lead data-driven initiatives to reduce manual reporting time for operational leads, enabling them to spend more time on high-value coaching. - Visualization Development: Design intuitive, self-service dashboards that allow Site Directors to monitor real-time and historical performance at a glance. - Data Governance: Establish and maintain a "Single Source of Truth" by standardizing metric definitions and ensuring data consistency across all operational dashboards. What You'll Need - Technical Mastery: Advanced SQL proficiency and extensive experience with BI tools such as Looker, Snowflake, or Tableau. - AI & Prompt Engineering: Familiarity with leveraging Generative AI (e.g., Gemini) for data synthesis and automated report generation. - Analytical Thinking: Ability to synthesize complex datasets into clear, high-impact business recommendations. - Data Visualization: Skill in designing intuitive dashboards that communicate insights to non-technical stakeholders. 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. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Title: Senior Backend Engineer Location: Mexico Type: Full-time Workplace: remote Category: Product Engineering Job Description: 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 Tala is seeking a driven engineer to join our growing Product Development team. You will work closely with fellow Tala engineers to build and extend Tala’s backend architecture to support new country launches, new features, and a fast growing user base. As a technologist and a leader, the Senior Backend Engineer pushes the team towards building a highly available, scalable, reliable, fault tolerant, and performant microservices platform. The Senior Backend Engineer follows and improves upon Tala’s engineering processes and standards while advancing Tala’s mission and business objectives. What You'll Do - Design, develop, and maintain robust backend services, APIs, and data integration layers that power key product features. - Review design documents, perform code reviews, and weigh in on implementation choices from other technical teams. - Write clean, efficient, and easily maintainable code, strictly adhering to established coding standards and best practices. - Enhance overall code quality, performance, and security by participating in thorough code reviews. - Design and optimize database schemas and queries to guarantee high performance and system reliability. - Contribute to the testing infrastructure to increase code coverage for backend modules. - Troubleshoot and resolve technical issues quickly and effectively across both development and production environments. - Advance monitoring and alerting capabilities of backend modules to allow proactive improvements to availability and response times. What You'll Need - 5+ years of hands-on experience in designing and developing applications using Java, Kotlin, and/or Scala. This includes exposure to a web framework like Spring. - Developed and launched large scale consumer applications with the backend on cloud infrastructure (AWS, Google Cloud, or Azure) using microservices architecture paradigms. - Proven problem-solving abilities and a strong drive for independent learning and work. - Expert knowledge in REST API design and development for mobile/web use. - Expert knowledge in architecture & system design. - Expert proficiency in Agile development process Nice to Have - Exposure to containerization technologies, such as Docker or Kubernetes. - Familiarity with MariaDB. - Familiarity with Kafka. - Familiarity with production monitoring tools, including logging (e.g., SumoLogic, Kibana), basic APM (Application Performance Monitoring) tools, and observability frameworks such as OpenTelemetry. 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.

• Own the product strategy and execution for Tala’s embedded lending partnerships globally • Assess which opportunities are worth pursuing, design the right credit solution for each partner context, shape commercial deals from a product perspective, and lead launches end to end • Work in close collaboration with the GTM team, be the product voice in partner conversations and responsible for what gets built, launched, and grown

• Provide expert advice on a range of capital markets transactions in jurisdictions around the globe, including debt financings, loan origination partnerships, forward flows, stablecoin and crypto denominated facilities and other asset-based financings • Draft, review, and negotiate a wide range of legal documents, including commercial contracts • Assist with corporate governance matters, board management, and ensure compliance with all corporate foundational documents • Provide counsel and assistance with equity management (e.g. administration of cap table and employee options) • Serve as a key legal advisor on major business transactions, including fundraising rounds and joint ventures • Oversee due diligence processes and provide guidance on legal implications of business decisions • Collaborate closely with Finance, Capital Markets, Product and other cross-functional teams to support business objectives and mitigate legal risks • Develop and implement policies and procedures to ensure the legal department operates efficiently

• Ideate and execute thought-leadership programs for CEO and CPO, including proactive media relations, podcasts & events • Create and foster media relationships to drive company coverage • Analyze and track global coverage and develop and execute newsjacking ideas • Assist in drafting/editing briefing docs, pitch notes, and press releases • Own Tala’s corporate content: website, blog, and social, awards submissions • End-to-end ownership of employer engagement initiatives: social amplification, slack channels, internal meetings and other internal communications efforts • Collaborate with the People team to assist in initiative roll-outs (e.g., working norms, pulse surveys)