The power of financial access

Our mission is to deliver world-class financial services
to the mobile generation.

Data science
with a
social conscience

Applying machine learning, Branch has created an algorithmic approach to determine credit worthiness via customers' smartphones. While this tech-forward approach requires transparency and trust, it also enables a fair, secure and convenient path for customers to build capital and save for the future.

Mobile on the rise

In emerging markets across the globe, the middle class is booming and so is their need for fair, reliable financial services and capital. With smartphone growth at an all-time high, Branch has a unique opportunity to build customer-first financial products for people worldwide.

Scale by numbers

2 million +


10 million +

loans issued

250 million +

dollars disbursed


Matt serves as the CEO for Branch. Prior to founding the company, he co-founded the ground-breaking microfinance non-profit, where he served as CEO for nearly a decade.

Matt Flannery

Co-Founder and CEO

Daniel leads Branch’s product development and engineering organizations. Before co-founding Branch, Daniel held senior roles in product management and business development strategy at

Daniel Jung

Co-Founder and COO

Emily leads finance at Branch. Previously she held senior capital markets roles at SoFi, Barclays and Nomura. She has also served with the United Nations and completed a Fulbright Scholarship in microlending.

Emily Barron

Head of Finance

Based in Mumbai, Charishma leads Branch’s India operation. Previously, she led expansion efforts for a social enterprise into South Asia. She holds a Masters of Public Health from Columbia University.

Charishma Chotalia

India Country Manager

Nick serves as Branch’s lead data scientist. He brings experience and expertise from previous positions at Airbnb and BlackRock.

Nick Handel

Head of Data Science

Andrew leads new market expansion. He brings deep expertise in emerging markets. Previously, Andrew served as a Kiva fellow with BRAC Uganda, launch e-commerce in Africa with Rocket Internet, and managed professional services at Samasource.

Andrew Huelsenbeck

Director of Global Expansion

Dan oversees Branch’s Kenyan market. Previously, he served as an advisor with PwC, focusing on financial services and telecommunications.

Dan Karuga

Kenya Country Manager

Ben leads Branch’s engineering organization. He previously co-founded Rep and held senior engineering management positions at Google and YouTube.

Ben Liebald

Head of Engineering

Richard brings deep credit risk expertise to Branch. Before joining the company, Richard held senior credit risk and analysis roles at LendUp and Capital One.

Richard Maltz

Head of Credit Risk

Erin leads Branch’s global marketing and media relations efforts. Prior to joining Branch, Erin held senior marketing roles at Square, Zillow Group, and NBCUniversal.

Erin Renzas

Head of Marketing

Maria oversees Branch’s Nigeria market. She previously served as Uber’s Country Manager for Nigeria and held management consultant roles with Deloitte Nigeria.

Maria K. Rotilu

Nigeria Country Manager

Before joining Branch, Daniel developed a Kenyan-based regional hotel operation, eventually selling to the South African-based City Lodge Hotel Group. He has also held senior positions with Silicon Valley-based start-ups and J.P.Morgan.

Daniel Szlapak

Director for Global Operations


A16Z Formation 8 CEFIF IFC Khosla Ventures Trinity Ventures Victory Park Triple Point
This young lending startup just secured
$70 million to lend $2 at a time
Tested By Adversity, Fintech Branch Emerges Stronger (And Better At Risk Management)