Branch International

Sf, east bay, la, remote, seattle, silicon valley
101 - 250 employees
11 - 25 engineers
$100m+ funding
Series c

Branch is a machine-learning provider of mobile financial services to emerging markets with the purpose of unlocking financial access to billions of underserved people around the world. Unlike traditional institutions, Branch gives people an opportunity to build credit despite limited banking history by assessing creditworthiness based on the data captured from customers’ smartphones.

Branch International photo 1 Branch International photo 2 Branch International photo 3

Why join us?

  • We have a large-scale, global presence and are growing rapidly! We have over 2 million customers across 4 countries, and we disburse tens of thousands of loans everyday.

  • We have knowledgable, trusting and inspiring leadership. Our Co-founder and CEO Matt Flannery co-founded and was CEO of for 10 years. Andreessen Horowitz led our Series A funding round.

  • The work we do at Branch isn’t superficial or easily tackled — it’s a real utility for people and with that comes tough challenges. That’s why we need the best minds on the forefront of our mission.

  • Your work will matter. Our teams are lean and agile, and you'll be able to leave a lasting mark on the product, the business, and the lives of our global customers.

Engineering at Branch International

Engineering team and processes

Our team consists of 18 engineers & data scientists, who work on a number of different areas of the product, from the consumer experience to credit modeling and core infrastructure. We are organized in cross-functional teams that include product managers, designers, engineers, data scientists and stakeholders from other functions where needed. Our processes are constantly evolving, but most teams employ a lightweight agile methodology, where work is organized around quarterly goals and then broken out into weekly or bi-weekly milestones. There is also a weekly meeting for the entire engineering team to come together and demo their work to each other.

We use Github pull requests for code review and deploy code to our production systems on Heroku & AWS multiple times per day. We are also big believers in testing and using CI/CD to minimize the need for manual QA.

Technical Challenges
  • Building an Android app that is fast, easy to use and works across a wide range of geographies and phones.
  • Scaling our backend infrastructure to support payments, identity, and communications infrastructure across multiple countries
  • Train Machine Learning models to build risk, underwriting and fraud models.
  • Scaling our financial systems to enable us to disburse and accept repayments for millions of dollars every day, in multiple currencies and with complex rules associated with them.
  • Building tools for our operations teams that are fast, easy to use, and that automate and support many of their complex workflows.
  • Making our systems scalable and secure to exceed our customer's expectations for ease of use, data privacy and control.
Projects you might work on
  • You would work on building out our Android app to support additional financial products.

  • You would work on creating new or improving existing machine learning models for assessing credit risk, fraud, and growth.

  • You would work on secure storage and processing of sensitive customer data, including financial data.

Tech stack
Ruby on Rails

Working at Branch International

At Branch, we are passionate about our customers, fearless in the face of barriers and driven by data.

Perks & benefits
  • Generous Vacation

    Branch offers unlimited paid time off (PTO).

  • Company Retreats

    We do all-company retreats every ~2 years. Our last retreat was on the coast of Kenya!

  • Travel

    Travel is a perk at Branch. We encourage you to go work from Nairobi, Lagos, Mumai or Bangalore to get to know our customers and your teammates better.

  • Flexible Hours

    We have an in-office culture, and the working hours are generally 9am-6pm. But given the global nature of our business, we might have earlier or later calls, and we encourage employees to customize their schedule as needed.

  • Team Activities

    We do quarterly social events as an office, and we have weekly team meals or happy hours.

  • Free Food

    There are snacks and drinks in the office everyday, and we do weekly team meals, happy hours or game nights.

  • Health Insurance

    We cover 99% of base plan for health, vision and dental insurance costs (50% for dependents). We have a generous offering of health plans to suit your needs!

  • Work from Home
  • 401(k) Contribution

    We offer pre-tax contributions to Roth and traditional 401(k) plans.

  • Transportation

    We provide a platform for pre-tax contributions to cover monthly commuting costs.

  • Beautiful Office

    We work in a historic building in FiDi with security, showers and bike storage. The building has been beautifully maintained and upgraded with a Blue Bottle, bar and Japanese restaurant on the first floor. Our office has a mix of open seating, quiet working space and communal space to socialize with your colleagues.

  • Maternal/Paternal Leave

    We are a family-friendly company! We offer all parents 3 months fully paid child bonding leave within the first year of birth, adoption or foster care placement. Birth mothers receive an additional 3 months fully paid disability leave.

  • Workshops/Conferences

    We encourage continuous learning for our employees. All employees across the globe receive a yearly stipend for their learning and development.

Our Team by the Numbers

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