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Branch International

Digital banking with wallet and loans

Senior Associate - Finance

Full-Time
No salary listed
Mid
Bachelor's, Master's
Mumbai, Maharashtra, India
Hybrid
AccountingAccounts Payable/Receivable

About the job

Requirements
  • CA with 2–4 years of experience, semi-qualified CA, or a Master's in Finance with 4–6 years of experience.
  • Strong hands-on experience in Accounts Payable, Procure-to-Pay, Vendor Management, and corporate accounting.
  • Experience with financial reporting, reconciliations, month-end close, and audit support.
  • Strong Excel skills and proficiency in Microsoft Office applications.
  • Strong attention to detail, a control and risk awareness mindset, ownership, and the ability to work independently.
Responsibilities
  • Own and independently manage Accounts Payable and Procure-to-Pay activities, including invoice processing, vendor reconciliations, payments, and exception resolution.
  • Manage vendor queries, reconciliations, ageing, and outstanding items, ensuring timely resolution.
  • Support month-end and period-end close, including AP accounting, accruals, reconciliations, and review of outstanding balances.
  • Prepare and maintain working papers, schedules, reconciliations, and reports supporting financial reporting and audits.
  • Ensure accounting and reporting comply with applicable Ind-AS and IGAAP requirements, as applicable.
  • Support tax and regulatory requirements, including GST, TDS/withholding tax, reconciliations, and related reporting.
  • Support statutory, internal, and tax audits, including responding to auditor queries and providing relevant data and documentation.
  • Ensure effective internal controls, approvals, maker-checker controls, reconciliations, and segregation of duties across AP/P2P processes.
  • Identify and implement process improvements, automation, standardisation, and control enhancements across AP and accounting workflows.
  • Review transactions, reconciliations, and accounting work for associates as a reviewer and subject-matter expert, ensuring accuracy and completeness.
  • Support training and onboarding of new associates and provide guidance on AP, accounting processes, and controls.
  • Work closely with Procurement, Treasury, Tax, Finance, Business teams, vendors, and auditors to resolve issues and close activities on time.
Desired Qualifications
  • Experience reviewing work, mentoring, or training junior team members.
  • Working knowledge of ERP systems such as NetSuite, SAP, Oracle, or similar.
  • Prior experience in NBFC or financial services.
  • Exposure to Big 4 or mid-size CA firms.
  • Experience in a process-driven or growing organisation.

About the company

Branch International offers digital banking services through a single Branch wallet in emerging markets. It provides instant loans, money transfers, bill payments, savings, and high-yield investments, plus a debit card in Nigeria, all accessible via a mobile app without traditional bank branches or paperwork. The platform uses machine learning and mobile technology to evaluate credit, process transactions, and deliver services efficiently, enabling users to send and receive money, pay bills, save, and invest with relatively straightforward fees. What sets Branch apart is its focus on the unbanked and underbanked in emerging markets, delivering a bundled, fee-transparent experience with no hidden charges for transfers and broad accessibility through a mobile-first approach. The company's goal is to digitize financial services for people who lack easy access to traditional banks, making everyday banking simple, reliable, and affordable through a single digital platform.

Company Size

201-500

Company Stage

Late Stage VC

Total Funding

$259.7M

Headquarters

San Francisco, California

Founded

2015

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Simplify's Take

What believers are saying

  • Branch reported roughly $30 million profit in 2025 and strong cash reserves.
  • Intron's 2026 voice-agent rollout improved after-hours collections and recovered ₦1.2 million weekly.
  • Branch kept launching India partnerships and hires in 2026, signaling continued expansion.

What critics are saying

  • Branch cut Nigeria and Kenya staff in May 2026 despite claiming $30 million profit.
  • Mobile lenders like WorkIndia partners and local neobanks compress Branch's credit distribution advantage.
  • A sustained delinquency spike in Nigeria or Kenya can destroy its lending economics fast.

What makes Branch International unique

  • Branch runs regulated lending and banking entities in India, Kenya, Nigeria, and Tanzania.
  • Branch launched a Nigeria debit card in 2026, combining payments and ATM withdrawals.
  • Branch's app unifies loans, savings, transfers, bills, and investments for underbanked users.

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Benefits

Health Insurance

Hybrid Work Options

Paid Vacation

Parental Leave

Home Office Stipend

Professional Development Budget

Company Social Events

Unlimited Paid Time Off

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

1%

2 year growth

1%
techbuild.africa
Jun 30th, 2025
Intron's Africa-Focused Voice AI Unveils Sahara Models to Advance Justice, Healthcare, and Customer Service

Digital finance platform, Branch International, is collaborating with Intron to personalise after-hours outbound engagement, improving responsiveness and customer experience using Sahara CX Intelligence - advanced low-latency human-like conversational voice agents.

Sawyer County Airport
Jun 5th, 2025
[Hiring] Machine Learning Engineer @Branch International

In 2019, Branch announced its Series C and garnered more than $100M in funding with investments from leading Silicon Valley firms, including Andreessen Horowitz, Trinity Capital, Foundation Capital, Visa, and the International Finance Corporation (IFC).

Proshare
Jul 8th, 2024
Branch International Announces Dayo Ademola as Managing Director in Nigeria

Leading digital finance app, Branch International,announced the appointment of Dayo Ademola as Managing Director in Nigeria,effective immediately.

AIM Group
Mar 13th, 2024
Blue-collar job startup WorkIndia, Branch International offer loans

India-based blue-collar job startup WorkIndia has announced a long-touted strategic partnership with Branch International, a non-bank financial company (NBFC) with operations across the globe.

HR Katha
Oct 18th, 2023
Krishna Priya joins Branch International as head - people operations, India

Branch International, a personal finance company with a strong presence in India, Nigeria, Kenya, and Tanzania, is excited to announce the appointment of Krishna Priya as the head of people operations for its operations in India.