Branch Overview
Branch is a leading AI-powered lending fintech with 50M+ downloads across India and Africa. We use alternative data and machine learning to expand financial access for millions of people traditionally excluded from the formal financial system. Founded by the former CEO of Kiva.org and backed by leading investors including Andreessen Horowitz, Visa, and the IFC, Branch combines mission-driven impact with world-class technology and scale.
In India, Branch operates as a regulated digital lending institution and Middle Layer NBFC, building trusted and accessible financial products for millions of customers across the country. Our 250+ member India team is growing rapidly and works across technology, data science, risk, product, and operations to solve high-impact problems at scale.
Certified as a Great Place to Work in 2025, Branch offers the opportunity to build meaningful careers while shaping the future of inclusive fintech in one of the world’s fastest-growing digital economies.
Job Overview
You will work closely with our Product, Operations, Compliance and Data Science teams to build and scale critical financial infrastructure across lending, KYC, payments, fraud prevention, and collections. The work spans backend platforms, decisioning and underwriting systems, third-party financial integrations, and internal operations tooling. Our engineering team tackles a wide range of technical challenges from designing reliable, high-scale financial systems and orchestrating complex compliance workflows to leveraging alternative data and real-time signals to power intelligent risk and credit decisions.
As an engineering team, we value bottom-up innovation and decentralized decision-making: We believe the best ideas can come from anyone in the company, and we are working hard to create an environment where everyone feels empowered to propose solutions to the challenges we face. We are looking for individuals who thrive in a fast-moving, innovative, and customer-focused setting.
Here are some things you’ll do
- Build customer facing and internal products and APIs with industry best practices around security and performance in mind.
- Influence and shape the company’s technical and product roadmap by providing timely and accurate inputs and owning various outcomes.
- Collaborate with peers in other functional areas (Android, Machine Learning, Data, Devops, etc.) to identify potential growth areas and systems needed.
- Guide and mentor other younger engineers around you.
- Scaling our backend services to ever-growing levels of traffic and complexity.
Minimum Requirements
- You have strong experience (6+ years) of designing, coding, and shipping backend software for web-based or mobile products.
- Experience coordinating and collaborating with various business stakeholders and company leadership on critical functional decisions and technical roadmap.
- You have strong knowledge of software development fundamentals, including relevant background in computer science fundamentals, distributed systems, data storage, and agile development methodologies.
- You are able to utilize your knowledge and expertise to code and ship quality products in a timely manner.
- You have functional knowledge of other technical areas such as Android, Machine Learning, DevOps, etc and can contribute to related discussions and decisions.
- You are pragmatic and combine a strong understanding of technology and product needs to arrive at the best solution for a given problem.
- You are highly entrepreneurial and thrive in taking ownership of your own impact. You take the initiative to solve problems before they arise.
- You are an excellent collaborator & communicator. You know that startups are a team sport. You listen to others, aren’t afraid to speak your mind and always try to ask the right questions.
- You are excited by the prospect of working in a distributed team and company, working with teammates from all over the world.
Why Join Us
- Competitive salary and equity package
- Fast-paced, collaborative, and high-autonomy work culture
- Hybrid work setup designed for flexibility and work-life balance
- Fully paid group medical insurance and personal accident insurance
- Generous paid time off, plus company-declared public holidays
- Fully paid parental leave for fathers and non-birthing parents (12 weeks), in addition to 26 weeks of statutory maternity leave
- Monthly WFH stipend, along with a one-time home office setup budget
- $500 annual professional development budget
- Quarterly social meet-ups and sponsored monthly team lunches
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!
