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 Overview

Branch is expanding its asset finance offering as part of our broader mission to build world-class financial services for the mobile generation.

We are seeking a commercially astute and risk-disciplined Asset Finance Credit Manager to design, structure, and oversee credit underwriting for asset-backed lending (motor vehicles, logbook loans, SME equipment, trade-linked assets).

This role will be responsible for building scalable credit frameworks that balance growth with portfolio quality.

Key Responsibilities

Credit Policy and Framework Development:

• Design and refine our asset finance credit policies (vehicle financing, SME asset finance, logbook loans).
• Develop risk segmentation frameworks (retail vs SME vs trade).
• Define LTV thresholds, pricing tiers, tenor structures, and approval authorities.
• Ensure policies align with Branch’s broader risk appetite and capital strategy.

Underwriting and Portfolio Oversight:

• Oversee credit assessment for asset finance applications.
• Establish standardized appraisal, valuation, and collateral verification processes.
• Monitor early warning indicators (arrears, asset repossession trends).
• Track portfolio performance: PAR, recovery rates, loss curves, repossession timelines.

Product Structuring and Innovation

• Work cross-functionally with Product, Engineering, Business Development and Marketing to:
  • Structure new asset finance products.
  • Design repayment models (salary-based, SME cashflow-based, trade-based).
  • Optimize digital onboarding for asset-backed loans.
• Support digitization of asset finance processes and automation of decision-making where feasible.

Risk Analytics and Reporting

• Develop asset finance dashboards and risk reporting packs for daily tracking.
• Conduct cohort analysis and stress testing.
• Present weekly and bi-weekly portfolio insights to the leadership team and the Credit Committee.

Partnerships and Ecosystem Management

• Support partnerships with:
  • Car dealers
  • Asset suppliers
  • Valuers
  • Insurance partners
• Ensure proper risk controls within partner-driven sourcing channels.

Collections and Recoveries Oversight

• Design recovery playbooks for asset finance.
• Improve repossession efficiency and resale value realization.
• Partner with Collections to reduce NPL migration.

Qualifications

• 3+ years of experience in: Asset finance, motor vehicle financing, SME equipment lending & structured lending.
• Strong understanding of: Collateral valuation and registration process, Logbook lending frameworks in Kenya & Regulatory and compliance requirements
• Proven experience managing asset-backed portfolios.
• Strong analytical and financial modelling skills.
• Experience in digital process optimization is highly desirable.