L&T Finance - Advance Analytics Role (5-7 yrs)

About the Company: L&T Finance.

About the Role: Advanced Analytics.

Location: Mumbai.

- 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.

Why Work with L&T Finance:

- LTF is present in both Rural and Urban areas with products catering to remote villages and also urban cities, you will get to solve the real-world problem of both India & Bharat which will impact and change the lives of millions of customers.

- The candidate will not only touch the lives of extremely Rural India but will also have opportunity to shape the financial future of Gen Z.

- Work on Cutting Edge Tools/Techniques: We are sitting on verge of tech transformation and you will be using R/Python/Google Vertex AI & No/Low code Cloud analytics tool to perform Predictive and Prescriptive Modeling using AI techniques, Machine Learning techniques, Computer Vision, NLP, Text Analytics, Customer Segmentation, Time series analysis to work on areas like Risk Analytics, Fraud Analytics, Credit Analytics, Marketing Analytics etc..

Industry Awards: Despite multiple Analytics awards, L&T Finance has been awarded with renowned "Best Firm for Data Scientists 2023" Award by Analytics India Magazine.

This underlines the culture, technology hunger and impact of Analytics on Organizational growth.

INTERNAL Collaborative & Learning Environment: You will get to work in collaborative and learning focused working environment where you will get the exposure to directly work with business leaders As a Manager you will support L&T Finance in its goal of achieving growth by integrating analytics into end-to-end business solutions.

By translating data-driven results into business focused deliverables for decision makers, you would be a part of LTF's journey as a high performing Indian NBFC.

Candidate should have good understanding of analytics related to Customer Analytics, Bureau Data and should demonstrate ability to generate insights from Large Datasets and provide in-depth Analysis.

Summary of Responsibilities:

- Candidate is expected to collaborate with other data scientists/Analyst, subject matter experts, sales to deliver strategic analytics projects from design to execution.

- Analyze Multiple Data Sources 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 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 INTERNAL.

Desired Skills and Experience:

- Overall 5-7 years of experience.

- Experience of 5 years in R, Python, SAS.

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

- Understanding of Credit Bureau data is advantage.

- Proficiency in statistics.

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

- 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.