Senior Credit Analyst

Branch Overview

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

Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law. We’re looking for more than just qualifications - so if you’re unsure that you meet the criteria, please do not hesitate to apply!