Senior Financial Analyst

16 hours ago

bikaner, India beBeeCredit Full time

At Branch, our mission is to democratize access to financial services. We're a leading AI-based lending fintech with 50M+ downloads across India and Africa.We use alternative data to reach millions of people who are largely excluded from the financial sector.Headquartered in Silicon Valley, we operate globally with teams in India, Nigeria, and Kenya.We're a for-profit, socially conscious company built for scale and impact.Job DescriptionWe're seeking a Senior Credit Analyst to join our team. As a key member of our analytics team, you'll play a crucial role in solving analytical problems across the organization and proposing product and credit policy changes to improve company profitability.Your responsibilities will include:Developing and maintaining a user-level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitoring and updating credit policy to optimize for company risk, profitability, and growth targetsProposing data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionLeading weekly credit committee meetings to share performance updates and analysisConducting ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborating with data science, product, and engineering teams to propose hypothesis testing to improve risk and profitabilityDeveloping statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupporting the marketing and product team with their data needsQualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing, and communicating impactful insights to management, investors, and/or auditorsStrong strategic thinking and problem-solving skills5-10 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions, and time zonesBenefitsMission-driven, fast-paced, and entrepreneurial environmentCompetitive salary and equity packageA collaborative and flat company cultureRemote-first work arrangement with occasional in-person workFully-paid Group Medical Insurance and Personal Accidental InsuranceUnlimited paid time off, including personal leave, bereavement leave, sick leaveFully-paid parental leave - 6 months maternity leave and 3 months paternity leaveMonthly WFH stipend alongside a one-time home office set-up budget$500 Annual professional development budgetDiscretionary trips to our offices across the globe, with global travel medical insuranceTeam meals and social events - Virtual and In-personWe're an Equal Opportunity Employer. We're looking for more than just qualifications - so if you're unsure that you meet the criteria, please do not hesitate to apply

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