Crafted @ Branch
Engineering lessons from the team behind Branch’s global financial infrastructure
From Rules to Representation: Turning Event Sequences into User Vectors
Jul 03, 2026 | by Nishant Kumar, Vigneshmurali Iyer, Navin Kumar M.
Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...
From 72 Hours to 8: Rebuilding our Feature Fetch System
Apr 30, 2026 | by Navin Kumar M., Aviral Sharma
How we engineered a parallel execution system to fetch features for training, achieving an 8× speedup through distributed actor-based design.
The Score Drift Agent
Jan 30, 2026 | by Aditya K., Matt F., Matt M.
Background In the past year, Branch has continued to experiment with ways that generative AI can be used in the practice of making loans. We call this Generative Credit.