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 cutting-edge 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
Familiarity with advanced statistical and machine learning

📌 Data Scientist (Mumbai)
🏢 L&T Finance
📍 Mumbai