Tala careers

Our first product is a consumer lending app that underwrites customers in real time using thousands of alternative data signals. Anyone with an Android smartphone in our markets can apply for a loan and receive an instant decision, regardless of their financial history. We provide fast, personalized loans to approved borrowers and help customers build a digital credit history, or financial identity, over time.

Only 31% of the adult population globally is covered by credit bureaus. In markets where bureaus are limited or nonexistent, Tala can use nontraditional data to can score up to 2X that population – introducing 3 billion consumers to the global market. The data that we look at include social connections, texts and calls, merchant transactions, app usage, and personal identifiers. These signals serve as a proxy for traditional financial data, helping us verify identity and assess creditworthiness.