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Team Manager – Rural Business Finance Loan Analytics

ConfidentialMumbai, India

8 days ago

Job description

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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Skills Required

BigQuery, Relational Databases, Google Cloud Platform, Ms Sql Server, Sas, Statistics, Pl Sql, Python

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Manager Finance • Mumbai, India