L&T Finance - Data Scientist - SME/Business Loan Analytics

About the job:

About the Company: LTF is one of the top NBFCs in India and its businesses are highly dependent on Analytics team for Insights, Acquisition, Collections and Lead Generation. For our esteemed Analytics team, we are seeking accomplished professionals with knowledge in modeling and analytics. Sound understanding of Financial Services and statistics.

Role: SME/Business Loan Analytics

Responsibilities:

- Analyze SME loan data to identify trends, patterns, and insights related to loan performance, customer behavior, and risk factors.

- Identifying market trends, customer needs, and competitive landscapes to design innovative lending solutions.

- Developing and executing strategies to drive the expansion of the unsecured lending business in alignment with the company's overall vision and goals.

- Identifying, analyzing, and interpreting trends or patterns in complex data sets.

- Lead credit risk analytics, decisioning, and system-based risk rules, and credit algorithms.

- Monitor the performance of SME loan portfolios to assess credit quality, delinquency rates, and portfolio risk exposure.

- Providing expertise in data storage structures, data mining, and data cleansing. Translating numbers and facts to inform strategic business decisions.

- Work with Analytics Leads to identify opportunities for Analytics in aiding decisions across businesses.

- Analyzing data using statistical techniques and providing reports.

- Create impactful presentations for stakeholder consumption summarizing analytical findings.

- Help identify emerging trends and conduct deep dive analysis to propose appropriate strategy.

- Leading development of model methodologies, algorithms and diagnostic tools for testing model robustness, sensitivity, and stability.

- Track model performance, suggesting improvements and implementing approved changes.

Required Skills:

- Experience of 6-8 years in R, Python, PL/SQL (Preferably MS SQL Server)

- Experience in BFSI domain, Indian Banks and NBFCs is a huge advantage.

- Understanding of Credit Bureau data is advantage.

- Proficiency in statistics and other tools/languages - R, Python, SAS.

- Familiarity with relational databases and intermediate level knowledge of SQL.

- Ability to synthesize unstructured data and find actionable themes/insights using SAS/Python/R.

- Experience in Google Cloud Platform/ Google BigQuery/Vertex AI are a huge advantage.

- Strong problem-solving skills. Ability to connect business requirements to data-mining objectives and business benefit. Demonstrated ability in gathering requirements, designs, plans and estimates.

- Aptitude to learn and ability to think creatively to solve real world business problems.

- Knowledge in at least one of the following - Logistic regression models, Linear regression models, Stochastic models, Bayesian - Modeling, Classification Models, Cluster Analysis, Neural Network, Non-parametric Methods, Multivariate Statistics will be additional advantage.