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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 changes to improve company profitability and growth. You will be responsible for analyzing repayment trends, optimizing our automated nudge systems, and helping build our Credit & collections strategy.

Responsibilities

• Analyze large datasets to identify patterns in delinquent behavior and segment borrowers by risk level.
• Develop and implement champion-challenger (A/B) testing for Collections and Credit Risk strategies
• 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 Roll Rate (the movement of customers from one delinquency bucket to the next) and provide weekly reports
• Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts
• Ensure all lending activities conform to regulatory guidelines and internal audit findings.

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
• 2-7 years relevant experience in Credit Risk & Collections Analytics, preferably in India Fintech industry
• Enthusiasm for working across cultures, functions, and time zones

Why Join Us

• Competitive salary and equity package
• Fast-paced, collaborative, and high-autonomy work culture
• Hybrid work setup designed for flexibility and work-life balance
• Fully paid group medical insurance and personal accident insurance
• Generous paid time off, plus company-declared public holidays
• Fully paid parental leave for fathers and non-birthing parents (12 weeks), in addition to 26 weeks of statutory maternity leave
• Monthly WFH stipend, along with a one-time home office setup budget
• $500 annual professional development budget
• Quarterly social meet-ups and sponsored monthly team lunches

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!