Team Manager – Rural Business Finance Loan Analytics

3 weeks ago

Mumbai, Maharashtra, India Zyoin Group Full time

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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