Collections Analyst

Branch Overview Branch 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 financial access. The rapid spread of smartphones presents an opportunity for the world’s emerging middle class to access banking options and achieve financial flexibility. Branch’s mission-driven team is led by the founder and former CEO of Kiva.org. 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 garnered more than $100M 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 company, we are passionate about our customers, fearless in the face of barriers, and driven by data. 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 As a Collection Analyst at Branch International, you will be instrumental in optimizing our collections operations by meticulously managing third-party collection agencies and leveraging data to drive performance. Your role will involve end-to-end agency oversight, in-depth performance analysis, and the development of actionable strategies to ensure high collection rates and adherence to best practices. You will be a key player in enhancing our Management Information Systems (MIS) to provide clear, real-time insights into collections performance. You will be reporting to the Head of Collections, India Responsibilities Agency Management & Optimization: Oversee the complete lifecycle of third-party collection agencies, from initial onboarding and comprehensive training to ongoing performance monitoring and compliance enforcement. Develop and implement strategic initiatives to enhance collection efficiency, improve agency productivity, and optimize overall performance. Proactively identify performance gaps within agency operations and recommend data-backed solutions to achieve and exceed collection targets. Maintain relations with collection agencies by monitoring and communicating their KPIs regularly Performance Tracking & Reporting (MIS): Design, develop, and maintain robust Management Information Systems (MIS) for comprehensive collections performance reporting. Track, analyze, and compare agency performance using a variety of data-driven metrics, including collections performance reports Prepare and disseminate daily, weekly, and monthly performance reports and dashboards to internal stakeholders and external agency partners, highlighting key trends and insights. Conduct in-depth performance tracking to monitor individual agency and portfolio-level collections effectiveness, identifying areas for improvement and recognizing strong performance. Communication & Collaboration: Facilitate regular performance review calls and quality assurance (QA) sessions with agencies to ensure consistent application of strategies and alignment with organizational goals. Address and resolve collection-related escalations promptly and effectively, prioritizing positive customer experience and operational efficiency. Collaborate cross-functionally with teams such as Compliance, Legal, Product, and Tech on projects aimed at process optimization, new feature rollouts, and data enhancement. Process Improvement & Compliance: Continuously evaluate and refine collection strategies and Standard Operating Procedures (SOPs) to maximize operational outcomes and ensure strict adherence to regulatory requirements and internal policies. Contribute to the development of best practices in collections and agency management. Qualifications Must haves: 1+ years of experience in collections Deep understanding of excel and data analysis Good communicator and a team player Good presentation skills Passionate about improving processes and taking initiatives Good to have: Experience with Fintech SQL knowledge Benefits of Joining Mission-driven, fast-paced, and entrepreneurial environment Competitive salary and equity package A collaborative and flat company culture Fully-paid Group Medical Insurance and Personal Accidental Insurance Unlimited paid time off, including personal leave, bereavement leave, and 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 Team meals and social events — Virtual and In-person We’re looking for more than just qualifications -- if you’re unsure that you meet the criteria but identify with our vision of providing equal opportunity to everyone to access financial services, please do not hesitate to apply Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law.