Team Manager – Rural Business Finance Loan Analytics

14 hours ago

Mumbai, Maharashtra, India Zyoin Group Full time ₹ 15,00,000 - ₹ 20,00,000 per year

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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