Credit Analyst Lead - MSME Loans
Branch International
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 its Series C and has 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).
We value diversity and are committed to providing an inclusive working environment where human beings of all backgrounds can thrive.
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 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
- 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
- 10+ years relevant experience in Credit Analytics with atleast 5 years experience in Credit underwriting for MSME Loans in India
- 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
- 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.