Team Manager – Rural Business Finance Loan Analytics

Role: Team Manager – Rural Business Finance Loan Analytics Location: Mumbai – Santacruz (Kalina) Experience: 6–10 Years About the Role We are seeking accomplished professionals with expertise in modeling and analytics to drive growth by integrating analytics into end-to-end business solutions. By translating data-driven results into business-focused deliverables, you will play a key role in enabling decision-making and shaping the future of rural finance lending. The ideal candidate will have a strong understanding of micro loans, rural business loans, rural loans against property, and gold loans in rural sectors , along with experience in microfinance lending analytics, JLG lending, and market insights . Key Responsibilities Analyze large datasets to identify trends, patterns, and correlations related to loan performance, customer behavior, and market dynamics . Develop and maintain predictive models to assess credit risk, predict default probabilities, and optimize loan approval & collection processes. Collaborate with product development teams to design and launch micro loan products (Gold Loan, Business Loan, Rural Loan against Property, etc.). Conduct ad-hoc analyses to support strategic initiatives such as product development, pricing optimization, and market segmentation . Provide actionable insights to improve underwriting criteria, loan origination processes, and customer targeting strategies . Stay up to date with industry trends, best practices, and regulatory changes impacting rural business lending. Collaborate with IT and data engineering teams to ensure data quality, integrity, and accessibility . Lead the development of model methodologies, algorithms, and diagnostic tools for testing model robustness, sensitivity, and stability. Desired Skills & Experience 6–10 years of experience with R, Python, PL/SQL (preferably MS SQL Server). Prior experience in the BFSI domain (Indian Banks / NBFCs) is a strong advantage. Good understanding of Microfinance Credit Bureau data . Proficiency in statistics and analytics tools – R, Python, SAS. Familiarity with relational databases and intermediate SQL. Ability to synthesize unstructured data and extract insights using SAS/Python/R. Experience with Google Cloud Platform, BigQuery, Vertex AI is a huge advantage. Strong problem-solving skills with the ability to connect business requirements to data-driven solutions . Knowledge in one or more areas: Logistic Regression, Linear Regression, Stochastic Models, Bayesian Modeling, Classification, Clustering, Neural Networks, Non-parametric Methods, Multivariate Statistics. Why Join This Role? Impact at Scale: Work on real-world challenges in both rural and urban India, shaping financial inclusion for millions of customers. Cutting-Edge Tools: Gain hands-on exposure to AI, Machine Learning, NLP, Computer Vision, Customer Segmentation, Time Series Analysis , and more using R, Python, Vertex AI, and cloud-native analytics platforms. Growth & Recognition: Be part of a high-performing analytics function recognized in the industry for innovation, technology adoption, and data-driven business transformation .

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