Senior Credit Analyst

Branch Overview

Branch delivers world-class financial services to the mobile generation. With offices in the United States, Nigeria, Kenya, Tanzania, 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 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 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

Based out of our Lagos office, 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 portfolio, create a user valuations model, and propose new product and pricing strategies.

Responsibilities

• Build and maintain a user-level valuations model to inform future product and marketing decisions and analyze drivers of profitability
• 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
• Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis
• 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

• 3-5+ years of relevant experience
• Fluency in SQL, R/Python or (a similar statistical analysis tool) 
• Previous experience in analytics and/or quantitative modelling, using large datasets
• Experience analyzing, visualizing, and communicating impactful insights to management, investors and/or auditors
• Strong strategic thinking and problem-solving skills
• Enthusiasm for working across cultures, functions, and time zones
• You are highly entrepreneurial. You take the initiative to solve problems before they arise. You’ve started and/or contributed to projects you’re passionate about.
• You are a great collaborator. You know that startups are a team sport. You listen to others, speak your mind, and ask the right questions.

Benefits of Joining

• Work in a mission-driven, fast-paced and entrepreneurial environment
• Competitive salary and equity package
• A collaborative and flat company culture
• Where we work:
  • Hybrid, with the option to remote occasionally
• Fully paid life and health insurance benefit with Axa Mansard (Platinum plan)
• 28 days annual leave, 30 days sick leave and 7 days bereavement leave
• Fully paid parental leave - 6 months maternity leave and 3 months paternity leave
• $500 Annual professional development budget 
• Pension benefit
• Monthly WFH stipend alongside a one time home office set-up budget
• Team meals and social events (Hybrid for now)
• Flexible working hours
• Opportunity to work and interact with a global team

Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law. We’re looking for more than just qualifications -- so if you’re unsure that you meet the criteria, please do not hesitate to apply!