Tala is a financial technology company that provides digital credit products through its mobile app and lending platform, serving underbanked consumers in markets such as Mexico, Kenya, the Philippines, and India. It uses proprietary machine-learning models and alternative data to underwrite credit, manage fraud and collections, and adapt lending decisions in dynamic regulatory environments. The company was founded in 2011 by Shivani Siroya, who is its CEO. Tala has raised multiple funding rounds, including a $150 million Series E led by Hedosophia and a $145 million Series D led by Lowercase Capital and IVP. Its headquarters is in Santa Monica, California, and it also maintains offices in cities including Nairobi, Mexico City, Manila, and Bangalore.