Data Scientist

As a

Team Member– AI & Data Science , you will play a key role in enabling LTF’s growth strategy by embedding data insights into end-to-end business solutions. You will translate analytical outcomes into actionable business strategies, supporting informed decisions across rural lending portfolios and helping LTF strengthen its position as a high-performing NBFC.

Desired Expertise We seek professionals with deep understanding of

Machine Learning and Econometrics related to

Micro Loans, Rural Business Loans, Rural Loan Against Property, and Gold Loans . Familiarity with

JLG (Joint Liability Group) lending ,

Microfinance Analytics , and knowledge about estimation of

Market Potential and

Decision under Information Asymmetry are essential.

Key Responsibilities

• Build and operationalize empirical models for automated credit underwriting, complemented by randomized controlled experiments to rigorously validate and refine model-driven credit decisions
• Identify market trends, customer needs, and competitive dynamics to design innovative lending solutions.
• Develop and implement strategies to expand the unsecured and rural lending businesses in alignment with LTF’s overall vision and growth objectives.
• Collaborate with product teams to design and refine micro loan offerings (e.g., Gold, Business, and Rural Loans) tailored to target segments.
• Work with collection teams to develop data-driven models that optimize recovery strategies and reduce collection costs.
• Work closely with IT, model validation, and engineering teams to ensure compliant model deployment with optimal system latency and operational efficiency.
• Lead the development of advanced modeling methodologies, algorithms, and diagnostic frameworks to evaluate model robustness, sensitivity, and stability.
• Stay updated on emerging industry trends, best practices, and regulatory developments influencing rural and micro business lending.

Desired Skills and Experience 1. Familiarity with advanced statistical and machine learning techniques such as

Logistic Regression, Linear Regression, Stochastic and Bayesian Models, Tree-based Ensemble Methods, Cluster Analysis, Neural Networks, Non-parametric Methods, and

Multivariate Statistics will be an added advantage. 2. 4–9 years of hands-on experience in

Python and

SQL (preferably on

Google Big Query Server ). 3. Prior experience in the

BFSI sector - especially with

Indian Banks and NBFCs - will be a significant advantage. 4. Strong knowledge of

Microfinance Credit Bureau data and its applications in credit analytics. 5. Expertise in

statistics , with proficiency in

Python and related analytical tools. 6. Ability to work with

unstructured data , extract insights, and generate actionable business outcomes using Python-based analytical frameworks. 7. Experience with

Google Cloud Platform (GCP) ,

Big Query , and

Vertex AI is highly desirable. 8. Demonstrated capability to translate business requirements into data-mining objectives, develop analytical solutions, and deliver measurable business impact. 9. Strong aptitude for learning, with creative thinking to address complex real-world business challenges.

Why you should work with us? Work for Bharat & India At LTF, our footprint spans both

rural and urban India , serving customers from remote villages to bustling cities. Here, you’ll solve

real-world problems that impact millions—helping empower rural communities while shaping the financial future of

Gen Z . Your work will directly influence lives across the spectrum of Bharat and India .

Join the AI-Driven Transformation Be part of a

technology transformation powered by advanced machine learning and AI. You will leverage

Python, Google Vertex AI, and modern machine learning tools including

Predictive and Prescriptive Modeling, Time Series Modeling, Transformers, LLMs, SLMs, Computer Vision - to drive innovation across

credit underwriting, portfolio monitoring, financial fraud detection, marketing models, collection and

settlement models. Recognition and Leadership Artificial Intelligence is redefining the financial landscape - driving smarter decisions, deeper insights, and inclusive growth. At LTF, we’re at the forefront of this change. Through our flagship

RAISE (2024, 2025 editions) initiative, we celebrate AI’s transformative role in financial services alongside industry peers. We’re proud to be recognized as a

Great Place to Work® , where innovation, impact, and purpose come together. .