Credit Analyst

Branch Overview

Branch delivers world-class financial services to the mobile generation. With offices in the United States, Nigeria, Kenya, and India, 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 the 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. In 2019, Branch announced our Series C and garnered more than $100M in funding with investments from leading Silicon Valley firms, including Andreessen Horowitz, Trinity Capital, Foundation Capital, Visa, and the International Finance Corporation (IFC).

As a company, we are passionate about our customers, fearless in the face of barriers, and driven by data. As a product-driven org, we value bottom-up innovation and decentralized decision-making. We believe the best ideas can come from anyone in the company, and we create an environment where everyone feels empowered to propose solutions to the challenges we face.

We value diversity and are committed to providing an inclusive working environment where human beings of all backgrounds can thrive.

Job Description

• 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

• 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
• 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry
• Enthusiasm for working across cultures, functions and time zones

• Mission-driven, fast-paced, and entrepreneurial environment
• Competitive salary and equity package
• A collaborative and flat company culture
• Fully-paid Group Medical Insurance and Personal Accidental Insurance
• Unlimited paid time off, including personal leave, bereavement leave, and 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
• Team meals and social events — Virtual and In-person