About the role
Lead Credit Analyst - Branch International - Career Page Skip To Job Description View All Jobs View Our Website Branch International Thanks for visiting our Career Page. Please review our open positions and apply to the positions that match your qualifications. Lead Credit Analyst India Full Time Mid Level Share 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 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! Share Apply Apply for this position Required * First Name * Last Name * Email Address * Phone * Address Resume * We've received your resume. Click here to update it. Attach resume or Paste resume Attach resume as .pdf, .doc, .docx, .odt, .txt, or .rtf (limit 5MB) or Paste resume Paste your resume here or Attach resume file Human Check * Submit Application This website uses cookies and other analytics technologies. By selecting "Allow", you consent to the recording, use and sharing of your website activity by this website and its service providers. Allow Reject All Powered by