Branch is a leading AI-based lending fintech with 50M+ downloads across India and Africa. We use alternative data to reach millions of people that are largely excluded from the financial sector.
Headquartered in Silicon Valley with operations in India, Nigeria and Kenya, Branch is a for-profit, socially conscious company built for scale and impact. Our mission-driven team—founded and led by the former CEO of Kiva.org—now spans 400+ employees globally. We’re backed by investors such as Andreessen Horowitz, Visa, and the IFC.
Job Description
You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.
Responsibilities
- Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability
- Monitor and update credit policy to optimize for company risk, profitability, and growth targets
- Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
- Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis
- Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts
- Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability
- Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis
- Support the marketing and product team with their data needs
Qualifications
- Fluency in SQL and R/Python
- Previous experience in analytics and/or quantitative modeling, using large datasets
- Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors
- Strong strategic thinking and problem-solving skills
- 5-10 years relevant experience in Credit Analytics, preferably in the India Fintech industry
- Enthusiasm for working across cultures, functions and time zones
Benefits of Joining
- Mission-driven, fast-paced and entrepreneurial environment
- Competitive salary and equity package
- A collaborative and flat company culture
- Remote first, with the option to work in-person occasionally
- Fully-paid Group Medical Insurance and Personal Accidental Insurance
- Unlimited paid time off including personal leave, bereavement leave, sick leave
- Fully paid parental leave - 6 months maternity leave and 3 months paternity leave
- Monthly WFH stipend alongside a one time home office set-up budget
- $500 Annual professional development budget
- Discretionary trips to our offices across the globe, with global travel medical insurance
- Team meals and social events- Virtual and In-person
Top Skills
What We Do
Branch delivers world-class financial services to the mobile generation. With offices in San Francisco, Lagos, Nairobi, Mumbai and Bangalore, Branch is a for-profit socially conscious company that uses the power of data science to reduce the cost of delivering financial services in emerging markets. We believe that everyone, everywhere deserves fair financial access. The rapid spread of smartphones presents an opportunity for the world's emerging middle class to access banking options and achieve financial flexibility. Branch's mission-driven team is led by founder and former CEO of Kiva.org. The company presents a rich opportunity for our team members to drive meaningful growth in rapidly evolving and changing markets. Most recently, Branch announced its Series C and has garnered more than $100M in funding with investments from leading Silicon Valley firms.
