Product Builder

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.

Lending Lab

Lending Lab is Branch's internal experimentation engine for new lending products. We are a small, focused team with a single mandate: find the lending products that will catapult Branch to the next orbit. We run fast experiments, set explicit kill metrics before we start, and shut down what doesn't work without optimism bias. When something works, it gets rebuilt at scale across Branch's full customer base. This is not a place for roadmap management or stakeholder alignment theatre. It is a place to build, learn, and move.

The Role

This is a 0→1 product role that requires genuine technical depth. You will take lending ideas from "what if" to the first disbursed loan — and you will build most of it yourself. You'll write the spec and the first version of the code. There are no handoffs, no backlogs to inherit, and no engineers to delegate to. You are the engineer, the builder. You will own the full stack of decisions: define the problem, design the experience, build the prototype, integrate the APIs, run the experiment, and recommend whether to scale or kill. We are not looking for a PM who can dabble in code. We are looking for someone who is technically strong enough to ship independently — and product-minded enough to know the experience they want to create. As part of a small focused team, you will help shape the product ideas and then implement the same. You can assume you will have an army of AI agents if desired.

Responsibilities

• Evaluate new lending product ideas: research the market, score the opportunity, and recommend whether to experiment • Design borrower experiences end-to-end — flows, screens, edge cases, communication • Build functional prototypes and MVPs using code, AI-assisted tools, or a combination • Set success metrics and kill metrics before each experiment starts — and honour them • Run small-cohort experiments, collect data, and write crisp recommendations • Own the tooling and integrations needed to disburse, track, and collect for each product • Work with the Lending Lab Head on experiment prioritisation and portfolio decisions

What We're Looking For

• 1–4 years of experience with a strong technical foundation — you have written production code and are comfortable owning a full-stack implementation independently • You have independently built and shipped something — a product, app, tool, or side project with real users. We will ask to see it. • Strong with modern development tools and AI-assisted coding (Cursor, Lovable, or similar) — you use these to move faster, not as a substitute for engineering depth • Product instincts to match the technical ability — you can identify a real user problem, design the solution, and know when to stop building • Comfortable integrating third-party APIs, setting up backend logic, and owning the full borrower journey from frontend to data store • Comfortable with ambiguity and kill decisions — when data says stop, you stop • Startup experience strongly preferred — especially if you've been an early engineer, a founding engineer, or built your own product • Experience in fintech or lending is a plus, not a requirement • Based in Bangalore (remote-first, with occasional in-person when needed)

Benefits of Joining

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

We're looking for more than just qualifications -- if you're unsure that you meet the criteria but identify with our vision of providing equal opportunity to everyone to access financial services, please do not hesitate to apply! Branch International is an Equal Opportunity Employer. The company does not and will not discriminate in employment on any basis prohibited by applicable law.