![Branch International](https://media.trabajo.org/img/noimg.jpg)
Credit Analyst Lead
1 week ago
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.
The rapid spread of smartphones presents an opportunity for the world's emerging middle class to access banking options and achieve financial flexibility.
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 had garnered more than $100 M 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 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 Overview 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 MSME Loans portfolio, create a user valuation model, and propose new product and pricing strategies.
Responsibilities Own the Credit policy for MSME Loans in India - Collaborate with cross-functional teams to design and implement credit policies and underwriting guidelines tailored to the needs of MSME borrowers.
Monitor the performance of the MSME loans portfolio and identify trends, anomalies, and emerging risks Ensure compliance with KYC norms, regulatory requirements, and internal risk management standards 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 Lead weekly credit committee meeting to share performance updates and analyses 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 skills5+ years relevant experience in Credit Analytics with atleast 2 years experience in Credit Analytics for MSME Loans in India Enthusiasm for working across cultures, functions, and time zones Benefits of Joining Mission-driven and fast-paced, entrepreneurial environment Competitive salary A collaborative and flat company culture Private health insurance for you A monthly stipend over and above your CTC to set up and maintain a good internet connection at home Laptop and headset provided by the company for the duration of the contract Weekly team meals and social events (virtual for now)Branch International is an Equal Opportunity Employer.
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India Branch International Full timeAbout BranchBranch 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...
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