Team Manager – Rural Business Finance Loan Analytics

Role: Team Manager – Rural Business Finance Loan Analytics

Location:

Experience:

About the Role

modeling and analytics

micro loans, rural business loans, rural loans against property, and gold loans in rural sectors

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

  .