Co-Inventing the Future of Finance with AI
Shape the future with L&T Finance. Our research platform drives innovation in AI, risk modeling, and decision intelligence—transforming how financial systems think, learn, and evolve.
Collaborate to Drive the Next Wave of Innovation
At L&T Finance, we go beyond business analytics—we’re building AI systems that adapt, learn, and drive impact at scale. We invite researchers, graduate students, and institutions to co-develop solutions with real-world financial applications.
Academic Research Collaborations
We actively partner with top universities for collaborative research, thesis sponsorship, and AI modeling at scale. Our Visiting Researcher and Summer Lab Programs are open to postgraduate students and faculty globally.
Featured Innovation Projects
Project Cyclops
Real-time AI decision engine
KAI ( Knowledgeable AI )
L&T’s GenAI virtual assistant
AnomalyNet
AI models for fraud & delinquency detection
Life at the Laboratory
Inside the Lab
Our AI team works at the intersection of machine learning, ethics, and financial access. We foster a collaborative, cross-disciplinary environment rooted in experimentation, inclusion, and real-world application.
Opportunities for Students
Participate in live AI challenges, join our Data Research Lab as a summer researcher, or co-author applied AI papers with our team. Open to master’s and PhD students globally.
Join us at RAISE—our flagship annual AI event. We also host workshops, guest lectures, and industry–academia roundtables with global thought leaders.
Voices from the Lab
Read insights from our AI and data science leadership on explainability, governance, and scaling AI in finance.
Collaborating Across Borders
We are part of a growing network of universities, policy think tanks, and research alliances advancing ethical and applied AI in financial systems.
Connect with Our Research Office
Interested in co-developing, contributing, or learning more? Reach us at: [abc@ltfs.com] or use our collaboration form.
Browse Job Openings Tech
Description
We're seeking a skilled SAS BI Developer to enhance our tech website's data-driven capabilities. Your role involves automating reporting processes, guiding users in SAS tool utilization, and ensuring data integrity. Join us to optimize data analysis, ETL, and reporting through your expertise in SAS BI, DW/BI concepts, and advanced analytics.
- The candidate should be well aware of the domain she /he has worked in for a project
- Basic SAS administration knowledge (Creating library, Reports authorization
- Should have in-depth knowledge of DW/BI concepts, Dimensional Modeling
- Experience in using SAS Data Integration Studio to extract, transform, and load source data into SAS or major DBMS environments from multiple sources including major DBMS and application system transaction files.
- Expertise in Creating Drill Down or OLAP-based complex reports
- Should be conversant with Job Scheduling using Windows Scheduler or LSF
- Creating ETLs using DI Studio, having good knowledge of transformation like Extract, SQL Join, Splitter, Lookup, Table Loader, and SCD Type Techniques.
- Deploying Jobs & Scheduling In SMC.
- Creating Backup using SPK’s
- Hands-on experience on Base SAS, Macros, Enterprise Guide, OLAP Cube Studio
- Experience in Unix Operating Systems and Scheduling tools like LSF and Cron-tab
- Knowledge Of creating users, assigning roles/rights to users
- Strong experience in Data Validation or Data Quality and Error handling
- Base SAS, Advance SAS Programmer, SAS Macros, SAS/Access, SQL, and optimization techniques
- SAS DI/ BI Developer
- SAS Visual Analytics
Desired profile of the candidate
- Hands-on experience in Base SAS, Advance SAS Programmer, SAS Macros, SAS/Access, SQL, and optimization techniques
- SAS DI/ BI Developer
Description
Candidate should have good understanding of analytics related to Micro Loan, Rural Business Loan, Rural Loan against properties, Gold Loans in rural sector. Candidate should have knowledge about JLG lending in India, market potential and Insights. Candidate should have worked on micro finance lending analytics.
Summary of Responsibilities
- Analyze large datasets to identify trends, patterns, and correlations related to loan performance (lender association, delinquency, exposure movement etc), customer behavior, and market dynamics.
- Develop and maintain predictive models to assess credit risk, predict default probabilities, and optimize loan approval & collection processes.
- Work closely with product development team to design and launch new micro loan products such as Gold Loan, Business Loan, Rural Loan against properties etc., tailored to the needs of our target market.
- Conduct ad-hoc analyses to support strategic initiatives, such as product development, pricing optimization, and market segmentation
- Provide insights and recommendations to improve underwriting criteria, loan origination processes and customer targeting strategies.
- Stay abreast of 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 for analytics purposes.
- Leading development of model methodologies, algorithms and diagnostic tools for testing model robustness, sensitivity, and stability.