Branch OverviewBranch 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 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 OverviewAs a Credit & Analytics Lead, you will help to solve analytical problems across the organization and grow profitability by proposing product and strategy changes. You will make data-driven decisions to optimize performance in various areas across the product, growth, and operations strategy.ResponsibilitiesContribute to the development of current and new Credit MI, metrics, dashboards, and decision tools in order to gain accurate and timely insight into our Credit Risk drivers.Create, implement, and support credit models leveraging a variety of mathematical and computer science methods and tools including Python, Structured Query Language (SQL), mathematical finance/ programming and statistics, and probabilityMonitor performance and drive changes in the Credit Policy of our Kenyan portfolio to optimize profitability and reach growth targetsCollaborate with data science, product, marketing, collections, and engineering to propose experiments and policy changesConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsPropose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisEfficiently deliver on compliance by meeting external reporting requirements to ensure we continue to meet our regulatory ?obligationsQualificationsBachelor’s degree from a recognized university with 5+ years relevant working experience Experience in the following software development environments: Python and SQL.Experience in analytics and/or quantitative modelling, using large datasets is mandatoryExperience in credit management is an added advantageAbility to deliver effectively against our values and expectations against near and long-term objectives.Strong strategic thinking and problem-solving skillsEnthusiasm for working across cultures, functions, and time zonesBenefits of JoiningMission-driven and fast-paced, entrepreneurial environment Competitive salary and equity package Comprehensive private health insuranceIndustry-leading vacation policyBranch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law.Powered by JazzHR
