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.

- 7-12 years relevant experience in Credit Analytics.

- 3+ years experience in Indian lending space Digital personal loans.

- Good understanding of Credit Bureau data and alternate data for underwriting and collections.

- Enthusiasm for working across cultures, functions and time zones.