Credit Analyst

Summary

Join Branch International, a mission-driven fintech company, and help solve analytical problems to improve company profitability. You will build and maintain a user-level valuation model, monitor credit policy, propose data-driven product changes, and conduct ad-hoc analysis. Collaborate with cross-functional teams to improve risk and profitability, develop statistical models, and support marketing and product teams. This role requires fluency in SQL and R/Python, experience in analytics and quantitative modeling, and strong communication skills. Branch offers a competitive salary, equity, unlimited paid time off, fully-paid insurance, parental leave, and a professional development budget.

Requirements

• 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
• 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry
• Enthusiasm for working across cultures, functions and time zones

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

Benefits

• 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