Complex data. Innovative solutions.

We’re connecting 10,000+ data points per customer to build a new kind of credit score. It's working in a way that the world has never seen before.


 

 
Inventure_WebIconsCreative Science

Creative science

We question everything. We find insights where others don’t, analyzing everything from geolocation trends to network diversity to build our algorithms.

Inventure_WebIconsDisruptive Finance

Disruptive finance

Traditional credit doesn’t work in emerging markets — mobile does. On our mobile platform, customers can access credit and other financial services instantly.

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Global impact

Our data models have empowered hundreds of thousands of customers globally to choose their financial futures.


How Tala Works


A New Kind of Credit Score

Our credit models allow us to evaluate an applicant's creditworthiness and capacity using the data on their mobile devices. This means we can evaluate and score even those customers who have no formal credit or banking history.

Instant Credit

Anyone with a smartphone in our current countries can download the Tala app and apply for short-term credit. Loans are disbursed directly to customers' mobile wallets in less than a minute.

Full Financial Partnership

Smart data models allow customers to increase their limits and lower their interest rates over time. Within our platform, customers can view their credit status, track payments, get reminders, and ask for help. Making and receiving payments is quick and easy.

Services Built for People

All customers receive a personalized financial experience tailored to their needs and goals. Smart data models allow customers to increase their limits and lower their interest rates over time and have more choice and control.

Nimble

Nimble

We’re constantly inspired by our customers’ ability to be efficient and responsive. We try to embody the same work ethic in everything we do.

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Meritocratic

A meritocracy means you’re empowered to do your work autonomously. We don’t believe in red tape or "old boys clubs”, and it’s not who you know that counts, it’s what you know. The best ideas and work rise to the top and are recognized.

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Committed to Excellence

We know it’s a challenge to take on traditional financial services, but that's what makes it fun! We hold ourselves to the highest standards, with our product, our customers, and our employees.

Employee Awesomeness

Happier Hours Every week, we celebrate Wine Down Wednesday, enjoying food, drinks, games and each others’ company. Every month, we invite our community to join in on the fun.

Happier Hours

Every week, we celebrate Wine Down Wednesday, enjoying food, drinks, games and each others’ company. Every month, we invite our community to join in on the fun.

Adventure We take fun seriously: food adventures throughout downtown, ping pong, go-karting, workout classes, and weekend outings into the great outdoors.

Adventure

We take fun seriously: food adventures throughout downtown, ping pong, go-karting, workout classes, and weekend outings into the great outdoors.

Getting Close to Our Customers We offer every team member an opportunity to visit our markets within their first year at Tala.

Getting Close to Our Customers

We offer every team member an opportunity to visit our markets within their first year at Tala.

Health Benefits We offer full coverage health, dental and vision insurance for our team and their families.

Health Benefits

We offer full coverage health, dental and vision insurance for our team and their families.

Retirement We offer traditional and Roth 401(k) plans, so employees can start saving for their futures from day one.

Retirement

We offer traditional and Roth 401(k) plans, so employees can start saving for their futures from day one.

Professional Development Every Tuesday at lunch, a resident expert teaches a master class on everything from SQL queries to growth hacking, while digging into delicious eats from nearby hotspots. We also sponsor employee visits to professional conferences.

Professional Development

Every Tuesday at lunch, a resident expert teaches a master class on everything from SQL queries to growth hacking, while digging into delicious eats from nearby hotspots. We also sponsor employee visits to professional conferences.

 

We believe everyone deserves financial access, choice and control.

We are data scientists, engineers, customer experience designers, marketers, and finance geeks all passionate about extending financial freedom to the billions of underserved people around the world.