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Senior Analyst - Credit & Analytics

Branch International

Branch International

IT, Data Science
India · Remote
Posted on Wednesday, December 6, 2023

Branch Overview

Imagine a world where every person has improved access to financial services. People could start new businesses, pay for their children’s education, cover their emergency medical bills – the possibilities to improve life are endless.

Branch is a global technology company revolutionizing financial access for millions of underserved banking customers today across Africa and India. By leveraging the rapid adoption of smartphones, machine learning and other technology, Branch is pioneering new ways to improve access and value for those overlooked by banks. From instant loans to market-leading investment yields, Branch offers a variety of products that help our customers be financially empowered.

Branch’s mission-driven team is led by the co-founders of Kiva.org and one of the earliest product leaders of PayPal. Branch has raised over $100 million from leading Silicon Valley investors, including Andreessen Horowitz (a16z) and Visa.

With over 32 million downloads, Branch is one of the most popular finance apps in the world.

Job Overview

As a Senior Analyst - Credit & Analytics, 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 valuation model, and propose new product and pricing strategies.


  • Build and maintain a user-level valuations model to inform future product and marketing decisions and analyze drivers of profitability
  • Collaborate with the Marketing team to assess and evaluate existing and new channels of growth. Evaluate the effectiveness of marketing campaigns and maintain a performance tracker.
  • Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
  • 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
  • Work with the Security team on strategies to mitigate fraud.
  • Develop statistical models to assist in fraud mitigation and user segmentation for capital markets transactions and financial data analysis
  • Support the marketing, Capital markets and product teams 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
  • 3-7 years relevant experience in Analytics, preferably in 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!