Credit & Analytics Lead
Branch International
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Job Overview
Location
Nairobi, Nairobi, Kenya
Employment Type
Full-time
Work Arrangement
On-site
Sector
Finance & Banking
Experience Level
Senior (5-8 years)
About the Company
Branch International is a pioneering financial services provider dedicated to serving the mobile generation. Operating across the United States, Nigeria, Kenya, and India, Branch leverages advanced data science to deliver affordable financial services in emerging markets. Our mission is to ensure that everyone, everywhere has access to fair financial opportunities, facilitated by the widespread adoption of smartphones.
Founded by the former CEO of Kiva.org, Branch fosters a mission-driven culture with a strong emphasis on diversity and inclusion. We are committed to creating an environment where individuals from all backgrounds can thrive. With significant funding from leading Silicon Valley firms, Branch is at the forefront of transforming financial access and empowering individuals through innovative technology.
Job Description
Branch International is seeking a dynamic and strategic Credit & Analytics Lead to spearhead the credit strategy and performance of Branch Microfinance Bank across East Africa. This role is instrumental in shaping our lending business, ensuring a robust balance between growth and risk, and driving innovation in how we deliver credit solutions to our customers.
As the primary driver of our credit function, you will be responsible for leading credit policy, portfolio strategy, analytics, and performance management. You will collaborate closely with various teams to achieve sustainable growth and will own the end-to-end credit lifecycle, from initial product design and risk modeling to ongoing portfolio optimization and effective recovery strategies.
To apply for this role, click the Apply button on this page and follow the instructions.
Required Skills
Key Responsibilities
- Lead the credit and portfolio strategy across the East Africa portfolio to ensure a healthy balance of growth, risk, and profitability.
- Drive the credit policy framework, ensuring it supports strategic business objectives and regulatory requirements.
- Provide thought leadership and represent the credit function in global forums and cross-functional discussions, influencing priorities and advocating for regional needs.
- Collaborate with leadership to design and launch new products, expand into new segments, and support diversification into traditional and digital lending products.
- Drive the lending product roadmap, ensuring product-market fit and strong performance across loans, wallets, and savings.
- Use data insights to identify new credit opportunities, refine existing offerings, and improve customer lifetime value.
- Partner with product, engineering, and data science teams to continuously optimize underwriting models, pricing, and segmentation.
- Champion experimentation and data-driven decision-making to refine risk and growth strategies.
- Oversee the portfolio performance and recovery strategy, ensuring end-to-end ownership of the credit lifecycle from origination to repayment.
- Lead credit quality and risk oversight, using analytics to identify trends, predict risk shifts, and implement proactive mitigation measures.
- Strengthen portfolio monitoring, recovery efficiency, and process improvements to safeguard asset quality and maximize returns.
- Integrate previously separate functions, portfolio performance management and credit quality oversight, under the credit department to drive consistency and accountability.
- Collaborate with operations, product, and data teams to ensure seamless execution of the credit strategy.
- Develop and maintain credit models, dashboards, and decision tools to provide accurate, timely insights into portfolio performance and risk drivers.
- Conduct in-depth, ad-hoc analysis to explain performance trends, uncover root causes, and propose data-led solutions.
- Partner with data science and analytics teams to design and implement predictive and behavioral credit scoring models.
- Deliver regular performance updates and insights to management, the Board Credit Committee, and other key stakeholders.
- Ensure accurate and timely data submission to regulatory and external stakeholders (e.g., Central Bank, Credit Reference Bureau).
- Run and coordinate quarterly Board Credit Committee meetings, providing clear portfolio insights and risk updates.
- Maintain strong controls and governance processes to ensure regulatory compliance and alignment with internal policies.
- Collaborate closely with audit, risk, and compliance teams to ensure a robust control environment.
Qualifications
- Minimum 6 years’ experience in credit risk, portfolio management, or analytics, with at least 3 years in a leadership role.
- Experience in banking, digital lending, or fintech environments.
- Strong proficiency in SQL and Excel; knowledge of Python, R, or similar tools for statistical analysis is an advantage.
- Proven track record of leveraging data and analytics to drive strategic credit decisions.
- Experience in developing and managing lending products in both traditional and digital ecosystems.
- Demonstrated ability to lead cross-functional teams and drive impact through collaboration.
- Strong strategic thinking, commercial acumen, and decision-making capabilities.
Benefits & Perks
- Competitive compensation package, including salary and equity.
- Fully paid health insurance.
- Company-matched pension plan.
- 28 days of annual leave.
- 30 days of sick leave.
- Bereavement leave.
- Fully paid parental leave (6 months maternity, 3 months paternity).
- Annual professional development budget.
- Monthly work-from-home stipend.
- Team meals, virtual social events, and in-person meetups.
- Opportunities for global exposure and travel, supported by global travel medical insurance.
How to Apply
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Spearhead Branch's credit strategy and performance across East Africa. This pivotal role involves shaping the lending business, balancing growth with risk, and innovating credit solutions. You will own the entire credit lifecycle, from product design and risk modeling to portfolio optimization and recovery strategies, ensuring sustainable growth and profitability.
Posted Date
March 15, 2026
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